Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for and fraudulent inquiries I never authorized to be furnished on my report. 

XXXX XXXX XXXX XXXXXXXX PAYMENT XX/XX/year> Update this late payment of XX/XX/year> to paid on time never late for inaccuracy. I did not pay late in XX/XX/year>. The late payment history is inaccurate and has different historical payment information on XXXX bureaus, TransUnion shows late payment history as 30 days late on XX/XX/year>, and XXXX and XXXX show no late payment history. Each Bureau has a different historical payment date and reports different information. This alleged late payment DO NOT MEET FCRA REQUIREMENTS. 

Please DELETE the following fraudulent inquiries. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

15 U.S. Code 1681e - COMPLIANCE PROCEDURES ( B ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit cardaccount under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

If your company fails to respond to this request within 30 days from the date of your receipt, all references to this account must be updated to paid as agreed and inquiries removed from my credit report. I'm sharing a copy of my ID, and bank statement to verify my identity. Also, I have included relevant documents, including my TransUnion consumer report highlighting the specific errors and ID Theft Report from the Federal Trade Commission. No consent is identity theft! I trust that you will give this matter the attention it deserves and take steps to resolve the issues promptly. I appreciate your prompt attention to this matter and await your positive response within the legally mandated time frame of 30 days. Thank you for your cooperation. 

Sincerely, XXXX XXXX