davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX  XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX* Balance : {$290.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$840.00}, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

Regarding XXXX  report number XXXX obtained XX/XX/XXXX, I received a collection on my credit report from XXXX XXXX XXXX XX/XX/XXXX a balance reported of {$57000.00}. 
I never had a signed agreement or an account with XXXX XXXX XXXX. 
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at https : //www.ftc.gov to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report.

Please find the attached documents to assist in the removing of the erroneous information currently on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PR)

This is my second complaint, as Chase is no longer responding. 
I cancelled my credit card on XXXX XXXX by phone and authorized the representative to debit my checking account with my bank to pay off the balance to close the account. I have a confirmation number from XXXX XXXX, XXXX. 

Chase made payments to the debit of my credit card account on that same day, without my knowledge. 
Late XXXX, I received a letter from Chase claiming that I owed them those payments, interest and late fees, even though I had no longer been receiving bills from them. 
I do n't work at Chase, neither do I know their internal processes, nor is it my business. To my knowledge and reasonable assumption, Chase and I were no longer bound in any way when the representative confirmed that the account was closed with my call and payment. 
At first, Chase recognized the fact that I did indeed make the payment when I had called to cancel the card and close the account. 
Their letter dated XXXX XXXX, XXXX, now claims that there was a balance pending and that the account was still active, even though I have a confirmation number to prove the contrary. 
I had accepted the card when making a purchase on Amazon in XXXX, around XXXX. The card was supposed to be free of any fees. However, I was charged a fee for using the card for that purchase. I made another purchase in XXXX XXXX and was charged a fee for that also. 
If for some internal reason there is a delay in the process, as a client, I have no knowledge of it, and was not informed of any such delay. It was confirmed to me over the phone that the account was closed and therefore inactive, and that my payment cancelled all debt towards them. 

My original objection was focused on those fees and interest. I was willing to pay the principle, but they rigidly refused and the situation has been in dispute ever since. 
I made them another offer to pay the principle in XXXX XXXX, which they also refused, unwilling to negotiate a reasonable outcome. 
As a client, I can not be expected to know the internal functioning of any bank, value dates etc, less so when it confirms that we are no longer bound. 
I hereby request from Chase a detailed account statement of all transactions from the first purchase which was concluded on XXXX in XXXX. And also, a justification for the fees charged for the purchases made with the card. 
As they have put a claim on me, it is legitimate for me to request the details that substantiate the claim. 
I have shown good faith and goodwill. I have made two offers that Chase chose to turn down. It claims no responsibility whatsoever, even though they did not send me bills in due time, once again due to internal processes within their credit card department, for which I can not be held responsible. 
I hereby offer once more to settle the principle and request from Chase details of transactions and fees.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (OH)

My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The XXXX credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've discovered unauthorized inquiries and misleading accounts, and addresses linked to my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 I was at the XXXX XXXX Truist Bank and used their ATM to withdraw {$180.00}. The ATM never dispensed my funds but the money was completed on my banks end. I am stuck in the XXXX airport for the XXXX day as I needed these funds to travel. I went to the branch manager who was extremely dismissive. I need these funds released back to my account so I can go home.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are various Fraudulent inquiries listed on my consumer report. The inquiries are with : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (PA)

The Fair Credit Reporting Act ( FCRA ) requires credit reporting companies, like TransUnion, to use reasonable procedures to ensure the accuracy of consumer credit reports. 



The Fair Credit Reporting Act ( FCRA ) regulates consumer reporting agencies ( CRAs ) like XXXX, and requires them to follow reasonable procedures to ensure maximum accuracy in credit reports. 



The Fair Credit Reporting Act ( FCRA ) requires nationwide credit reporting agencies ( CRAs ) like XXXX to investigate and correct inaccurate information on credit reports within 30 days of a consumer dispute. 



However, after verifying my most current credit report, the revised information is beyond wrong. The information is as follows. Last Verified : Transunion XX/XX/XXXX ; XXXX no record, XXXX no record. Date of last activity : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Creditor Remarks : TransUnion : Charged off as bad debt. Canceled by credit grantor, XXXX The account has been closed due to inactivity. Unpaid balances are reported as losses by the credit grantor. XXXX  off account. Accounts closed by the credit grantor. The Fair Credit Reporting Act ( FCRA ). Getting the late payment erased is dependent on its accuracy. DELETE ACCOUNT
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my updated credit report, I discovered that there is information which is erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$2500.00}, XXXX/XXXX  XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$700.00}
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ), XXXX, XXXX and TransUnion must authenticate these accounts. ( A ). Treating these reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$19000.00} XXXX XXXX Balance Owed : {$280.00} XXXX Original Creditor XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX  Balance Owed : {$1200.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXXXXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$230.00} XXXX  XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I consistently pay on time and am certain of my punctuality. However, I'm puzzled as to why this company is marking me as late in some months, which is incorrect. Under USC 1666b, billing errors must be corrected immediately.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I always make my payments on time, so I am confident in my payment history. What I don't understand is why this company is reporting me as late for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be promptly corrected.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$670.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$7200.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$5600.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$4400.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX XXXX Owed : {$3300.00} XXXX XXXXXXXX XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2018-05-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (CA)

Hello, I am writing to dispute a collection reflecting on my credit report. 
Creditor : CPS/XXXX Amount : {$500.00} Date Opened XX/XX/XXXX This shows it's a debt for an Auto Loan.

It still shows that I owe money to my loan which I do not. I have completely paid off this loan back in XX/XX/XXXX It is also showing several late payments as well that is uncorrect. 
I have called this creditor to get this resolved they mentioned they would remove lates and update the system to show paid but this is still reflecting on my credit report that I owe. 
The company has provided me a Letter of proof stating that this debt has been paid. 
I would like to request this debt to be Updated to show XXXX balance owed including removing falsely lates. 
Please let me me know what I have to do do get this removed especially since this debt has been paid and I have proof of the letter attached. 

Thank you, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.