Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TRANSUNION has violated my consumer rights under the FCRA 15 U.S.C 1681 by reporting inaccurate and incomplete information on my consumer report without my directly written instructions, and consent pursuant to 15 U.S. Code 1681b ( 2 ) which states that a comsumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. 
I XXXX ; XXXX the consumer never gave consent or any written instructions to Transunion to report any information on my consumer report. NO Consent is IDENTITY THEFT pursuant to 15 U.S.Code 1681c-2 consumer agency are to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft no later than 4 day after proof of receipt. The receipt is I never gave Transunion written instructions or consent to furnish any information on my consumer report. 
Pursuant to 15 U.S.Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless creditor has adopted reasonable procedures designed to ensure that each periodic statement the including information required by section 1637 of this title is mailed or delivered to the consumer not later than 21 days before due date.

I never gave Transunion or any alleged Creditor pay for Transunion SERVICES any written consent or instructions to furnish any information on my consumer report. 
These accounts are listed with late or missed payments and that is incorrect. The following accounts was NEVER late and should be listed paid or, paid as agreed. 
Account name : account number : XXXX XXXX I was never late on XXXX and XXXX of XXXX please update these accounts as paid/current. 
XXXX XXXX XXXX I was never late from XXXX to XX/XX/XXXX and I was never late from XXXX to XX/XX/XXXX please update the account as paid/current. 
XXXXXXXX XXXX  XXXX I was never late from XXXX to XXXX of XXXX and I was never late from XXXX to XXXX of XXXX please update account as paid/current These accounts have been illegally furnish inaccurately on my consumer report causing Me a financial injury and stress. By provisions of the Fair Credit Reporting Act, I demand that you update these items list above or show me concrete evidence and all documentation proving that I was late, signed under penalty and perjury in a affidavit of fact. 
Please update as I demanded any information that the creditor can not verify. 
If verified pursuant to 15 U.S.Code 1681a ( e ) which defines investigative consumer report, please give name and addresses of all friends and neighbors etc.. Who you use for this investigation with proof signed under penalty and perjury in a affidavit of fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief