Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX To : The Consumer Financial Protection Bureau ( CFPB ) Credit Report Error Resolution Department From : ( This Debtor ) copy to TransUnion XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( Re : Failed Resolution of Dispute file # XXXX ) copy also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX A XXXX XXXX XXXX XXXX XXXX ( Re : TransUnion Credit Report of Debtor - XXXX XXXX Card # XXXX, XXXX. XXXX # XXXX ) Subject : CFPB XXXX ( of XXXX ) Complaint ( XXXX ) filed by the Debtor of the Negligently Failed 7-Year End Date Error Removals of the XXXX ( of XXXX ) Major Negatives ( in this case ) of the Current TransUnion Credit Report of the debtor - Re the Investment Retrievers Past Due Credit Card Balance ( Debt Purchase ) in the Account beginning with # XXXX. 
1. There has been a TransUnion failure to comply with the 7-year maximum Federal Law to remove a defaulted ( " charge-off '' ) credit card debt error in my personal TransUnion credit report for the credit card debt filed by XXXX XXXX - listed as the XXXX. account beginning with # XXXX. This failure has continued beyond the 30-day period following XXXX - the date I phoned in this error to TransUnion and created Dispute file # XXXX. More specifically, the error is in the 7-year removal date - where TransUnion has not deleted this negative from my TransUnion report after the end date of the XXXX month - the date of XXXX in this case ( in contradiction with the facts I provided in my phone call to them on XXXX and more recently - on XXXX - in documentary form ). Apparently TransUnion and XXXX did not verify the 7-year end-date to the XXXX late fee transaction posted ( on XXXX ) in the records of the original creditor for this debt - XXXX XXXX Bank. 
2. Investment Retrievers is a debt purchaser. The original XXXX credit card for this debt ended in the acct # XXXX. 
3. The specific documentation of this XXXX late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting the XXXX complaint errors is included in a multi-page letter filed with this XXXX CFPB complaint. Also provided with that letter are a number of documents, including ( a ) the recent XXXX 's TransUnion credit report page that includes this error, ( b ) copies of an Equifax Invalid Dispute reply that fails to correct their error, i.e., a reply that ignores the documentation I provided that irrefutably supports my corrections, and ( c ) copies of the creditor 's contemporaneous monthly statement postings of the XXXX late fees to prove and correct this error using the books of the company that incurred these charges - my employer. The attached letter also explains how these debts are all company debts and that none are personal ( non-business ) charges made by me. 
4. My lost income damages are also detailed in the attached letter. In summary, these damages are $ XXXX per week-day, as I am a victim of fraud and as such, My State law specifies treble damages. The damages resulting from the 7-year end date credit report errors began on XXXX/XXXX/XXXX in the case of the XXXX ( and XXXX ) CFPB complaint ( s ) involving the XXXX XXXX purchased XXXX credit card ending in # XXXX ( major negative ) still being reported after that date by TransUnion ( and XXXX ). 

5. My desired resolution items are : ( a ) the immediate removal of this major negative from my TransUnion credit report. I would like to first receive a written acknowledgement by XXXX that they are notifying TransUnion to immediately remove this negative from my credit report, then ( b ) the prompt written notification from TransUnion and XXXX ) that this last major negative has been removed and ( c ) a response from the CFPB that they will penalize the responsible parties for my damages and send me those funds each week.