Consumer complaint received 2024-08-08
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. (MI)

Recently I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name ID # XXXX -XXXX XXXX XXXX Name ID # XXXX -XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID {$9000.00} XXXX XXXX Name ID # XXXXXXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX ID # XXXX -XXXX XXXX Name ID # XXXX Addresses. Only the address XXXX XXXX XXXX XXXX, MI XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX and XXXX XXXX XXXX XXXX, MI XXXX would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$190.00} Opened Account status Responsibility Remarks XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Open Derogatory This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Opened Account status Type Responsibility Remarks Original Creditor Name Closed Highest Balance {$690.00} XXXX. XXXX ( XXXX XXXX ) Open Derogatory XXXX XXXX XXXX XXXX  XXXX XXXX this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of NATIONAL CREDIT SYSTEMS company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Account Name XXXX  XXXX XXXX Balance {$1400.00} Account Number XXXX Balance Updated XX/XX/XXXX Account Type Collection Last reported XX/XX/XXXX {$1400.00} Open balance THE BUREAUS Original creditor Opened Account status XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Open Type - Responsibility Individual this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Account Name XXXX  XXXX XXXX Balance {$670.00} Account Number XXXX Balance Updated XX/XX/XXXX Account Type Collection Last reported XX/XX/XXXX {$670.00} Open balance THE BUREAUS Original creditor Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open Type - Responsibility Individual This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of NATIONAL CREDIT SYSTEMS company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. THE BUREAUS Last reported XX/XX/XXXX {$550.00} Open balance XXXX XXXX Original creditor Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open Type Responsibility - Individual this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of NATIONAL CREDIT SYSTEMS company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account XXXX XXXX XXXX reported XX/XX/XXXX XXXX {$670.00} this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of NATIONAL CREDIT SYSTEMS company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account I as a federally, protected consumer am now resending all authorization, may have given ( knowing and unknowing verbal, nonverbal, written, non-written ) to this company effective immediately and indefinitely Per 15 USC 6802 This account is in violation of my rights as a federally protected consumer per 5 USC 552a, 20 usc 1232 g, and 34 CFR 99 XXXX XXXX Reported XX/XX/XXXX Balance {$96.00} Opened Account status Highest Balance {$96.00} XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Open this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account I as a federally, protected consumer am now resending all authorization, may have given ( knowing and unknowing verbal, nonverbal, written, non-written ) to this company effective immediately and indefinitely Per 15 USC 6802 This account is in violation of my rights as a federally protected consumer per 5 USC 552a, 20 usc 1232 g, and 34 CFR 99 XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account XXXX XXXX Card Responsibility O Individual Date opened XX/XX/XXXX Status Closed. {$510.00} written off. Status updated XX/XX/XXXX Balance XXXX XXXX Balance updated XX/XX/XXXX Recent payment Monthly payment XXXX XXXX Original balance O {$300.00} Highest balance O {$510.00} This company is incorrectly an inaccurately reporting this account as open. They are attempting to re-age this account so that it may stay on my credit report for longer than its true lawful and legal ability. this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of NATIONAL CREDIT SYSTEMS company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account I as a federally, protected consumer am now resending all authorization, may have given ( knowing and unknowing verbal, nonverbal, written, non-written ) to this company effective immediately and indefinitely Per 15 USC 6802 This account is in violation of my rights as a federally protected consumer per 5 USC 552a, 20 usc 1232 g, and 3XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX Account Number XXXX XX Account Type Responsibility Date Opened Status Status Updated Charge Card Individual XX/XX/XXXX Closed. {$1400.00} written off. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Credit Limit Highest Balance Terms XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1400.00} This company is incorrectly an inaccurately reporting this account as open. They are attempting to re-age this account so that it may stay on my credit report for longer than its true lawful and legal ability. this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account I as a federally, protected consumer am now resending all authorization, may have given ( knowing and unknowing verbal, nonverbal, written, non-written ) to this company effective immediately and indefinitely Per 15 USC 6802 This account is in violation of my rights as a federally protected consumer per 5 USC 552a, 20 usc 1232 g, and 34 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Info Account Name XXXX Balance XXXX XXXX XXXX XXXX Balance Updated XX/XX/XXXX Account XXXX XXXX XXXX XXXX Account Type Charge Card Monthly Payment $ O Responsibility Individual Credit Limit {$300.00} Date Opened XX/XX/XXXX XXXX XXXX {$510.00} Status Closed. {$510.00} written off. Terms Status Updated XX/XX/XXXX this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account I as a federally, protected consumer am now resending all authorization, may have given ( knowing and unknowing verbal, nonverbal, written, non-written ) to this company effective immediately and indefinitely Per 15 USC 6802 This account is in violation of my rights as a federally protected consumer per 5 USC 552a, 20 usc 1232 g, and 34 CFR 99 Account Name XXXX Account Number XXXX Account Type Responsibility Date Opened Status Status Updated ADS/COMENITY/VE Balance NUS Balance Updated Recent Payment XX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$1000.00} written off. XX/XX/XXXX Highest Balance Terms SO XX/XX/XXXX {$0.00} {$750.00} {$1000.00} 15 U.S. Code 1665e - Consideration of ability to repay. this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX Original creditor Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open Type - Responsibility Individual This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. this account is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. Account Name ADS/COMENITY/VICTORIA Account Number XXXX Account Type Responsibility Date Opened Status Status Updated XXXX  Balance Balance Updated Recent Payment XX Charge Card Individual XX/XX/XXXX Closed. {$550.00} written off. Now XXXX  Monthly Payment Credit Limit Highest Balance Terms B SO XX/XX/XXXX SO {$250.00} {$550.00} Account Name XXXX  XXXX Balance Account Number XXXX Balance Updated - Account Type Unsecured Recent Payment Responsibility Individual Monthly Payment Date Opened XX/XX/XXXX Original Balance {$260.00} Status Paid, Closed. Highest Balance Status Updated XX/XX/XXXX Terms 6 Months Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms 1l 5 - {$17000.00} 39 Months Account Name XXXX XXXX  Balance XXXX XXXX XXXX Balance Updated XX/XX/XXXX Account Number XXXX X Recent Payment Account Type Credit card Monthly Payment Responsibility Individual Credit Limit {$500.00} Date Opened XX/XX/XXXX Highest Balance {$790.00} Status Closed. {$410.00} written off. Terms Status Updated XX/XX/XXXX these accounts is an accurately reporting as an open collection. It is illegal for a less debt or collection account to be reflected as open as this account was created from a closed debt. This inaccurate reporting means that legally discount must be removed from my consumer report. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. The previous accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report Late payments. Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments 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 the XXXX ) has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title ( ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report..