Consumer complaint received 2024-05-23 00:00:00
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.
State: SC

Complaint narrative:
I have previously sent disputes regarding this matter numerous times since XXXX of 2022. I have received letters from the companies demanding payments and threatening to sue. Every time I review my credit report, it is drenched with inaccurate misleading information that has YET to be VALIDATED or whose METHOD OF VERIFICATION has yet to be provided. I provided my only accurate address and I want my disputes sent to the SAME address, which will also be provided within this complaint. The following accounts have multiple FCRA VIOLATIONS that are subject to a fine of {$1000.00} each, and I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. The reporting of the accounts listed below has violated FCRA Section 607 which requires that only accurate information be reported in a consumers credit report : PLEASE REMOVE ALL THE PREVIOUS EMPLOYERS AND ADDRESSES reported by TransUnion, XXXX, and XXXX. 
XXXX XXXX XXXX ( # XXXX, # XXXX, # XXXX ) reporting on XXXX different accounts, false and inaccurate information. XXXX and XXXX has DELETED the accounts from my consumer report. DELETE IMMEDIATELY! The amounts and the opening dates are all reported differently across TransUnion. I have demanded several times that they furnish me with sufficient proof of a thorough investigation, nor have I been provided with sufficient verification that I owe or have any obligations to this account. I demanded to see the ORIGINAL signature bearing contract showing my signature, from the original creditor. I still have not received it and wont ever because they do NOT exist. DELETE IMMEDIATELY! 
XXXX- ( # XXXX ) is in violation of my consumer rights, and Im fully prepared to seek litigation in small claims court for the damages that have been caused by this inaccurate reporting. This one account shows a balance of {$4800.00} which is inaccurate. The highest balance it could have was {$4400.00}. Where did the other {$490.00} come from? How did the company determine the amount or account was correct? According to 12 U.S.C 1431 banks pay securities and interest. I have sent letters numerous times demanding they provide proof of the verification of the alleged debt, and I still have NOT received that information. The account was also sold, so there is no reason that this account is still reporting with a balance. That is a violation! One bureau is reporting that it closed on XX/XX/XXXX and the others arent reporting the same. How is the account closed in XXXX of 2021 but still reporting to the bureaus that Im late till this day? That is definitely inaccurate and its definitely a violation. 
The account for XXXX ( XXXX  ) is also reporting different account statuses across the bureaus. You have a grave duty of reporting consistent accurate information, and you are NOT. The opening and closing dates do NOT match, the last payment dates are inconsistent, along with this account having a balance and it was supposedly charged off. Once again, its impossible to have different information reflecting for the SAME account. If the account was closed, there should NOT be a balance left on the account. Thats a violation. If the account was closed in XXXX, how is it still reporting late every month? Thats a violation as well. I am entitled to {$1000.00} under the FCRA. This account is filled with violations, and I am fully prepared to seek litigation through small claims court in my city and state. 
The account for XXXX XXXX- ( # XXXX ) is reporting different account status between the bureaus. You have a grave responsibility to report consistent information and you are NOT. This is VIOLATION. This account is reporting multiple open and closed dates. It is impossible to open or close the SAME account on DIFFERENT dates. This is a VIOLATION, as you are once again reporting inconsistent information. The late payments are also inconsistent. The same account can NOT be on-time and late at the same time, so why am I reported late with XXXX and not TransUnion & XXXX XXXX ANOTHER violation! XXXX also shows that its reporting me XXXX days late, XXXX months in a row, XXXX days late XXXX months in a row and XXXX days late, XXXX months in a row. Its impossible for me to be late the same number of days XXXX months in a row, let alone XXXX. The closing dates are also inconsistent. Just this XXXX account has so many violations and I am entitled to {$1000.00} per violation under the FCRA. 
XXXX- ( # XXXX ) pay dates and closed account dates are reporting differently across the bureaus. Im not understanding why there are so many violations on my credit report. Its too many inconsistencies. How are you upholding to your duty of only furnishing accurate information, if the same account is being reported differently? I AM COMPLETELY AWARE OF MY FEDERALLY PROTECTED RIGHTS. The companys contact information is also different throughout the bureaus, which is also a violation. DELETE IMMEDIATELY! 
According to 15 U.S.C 1681 ( a ) a consumer report does not include any information as to transactions or experiences between the consumer and the person making the report. You are violating 15 U.S.C 1681 by reporting information in regard to my experiences with the people making the reports to you about me. REMOVE ALL COMMENTS in reference to my experiences with the person making the report and ALL LATE PAYMENTS, as this is also a violation. No one should know the details in regard to the transactions and experiences between me, the consumer, and the person who made the report to you. Furthermore, according to 15 U.S.C 1681a ( 2 ) a ( iii ) it must clearly and conspicuously be disclosed to the consumer that the information will be shared, along with the option to opt out which I was never offered. This is also a violation. Because I was never given the option to opt out of my information being shared with any third parties, I am demanding the removal of ALL negative information from my report for the above-named accounts. According to 15 U.S.C 6802 ( b ) a financial institution may not disclose to a non-qualified 3rd party without giving the consumer the option to direct such information not to be disclosed nor was I provided an explanation of how I can exercise the nondisclosure option. According to 15 U.S.C 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is a violation. I am demanding that all violations in regard to my consumer report be removed and updated report be sent to the address on file, as well as my updated report sent to anyone that has pulled my credit in the last XXXX  months.

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