Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
b'Transunion is reporting several account that are incomplete and incorrect. I am willing to give Transunion an opportunity to mail the evidence they used to prove that the consumer report Transunion is 100% accurate as required by the Fair Credit Reporting Act. \n\nI have sent hand written letters and filed complaint after complaint and you still willfully ignored law. This is reckless noncompliance. \n\nThe accounts in question are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX \nThis account is incomplete and inaccurate. I was never late and canceled this service well before any late payment was ever alleged. I demand proof from XXXX  and Transunion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late XXXX XXXX  120 days late \nThis account is reporting late payments and as a charge off. This is incorrect and incomplete. How are you identifying this information. I demand XXXX XXXX  send a billing history as well as Transunion. Delete this account from my consumer report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - 90 days late \nI was never late. I demand proof from XXXX XXXX and Transunion. XXXX XXXX XXXX XXXXThis account is due to identity theft. By state and federal laws you have to exclude this account from my consumer file. This is a $5,000 fine that I am legally able to pursue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nI was never late. I demand proof of this allege late payment. XXXX XXXX XXXX XXXX XXXXThis is a fraud account. I have never had an account with this company or have received any validation in the mail. Transunion failed to provide me with disclosures required by federal consumer laws. Delete this account. 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 XXXXThis account is reporting several late payments that is incomplete and incorrect. You have failed in multiple occasions to send required validation to me as the consumer to let me know the steps of your investigation. You provided none. Delete this account or send me required billing history so I may verify accuracy. 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 \n\nI was never late on these allege dates. I demand Transunion do as required and provide me with validation you did a reasonable investigation. This account is also reporting as a charge off this is also incorrect. This account is incomplete. Delete this account immediately. 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 \nThis account does not include complete information to identify this account. This make its incomplete. I was never late with these payment. Delete this account immediately. I will give you 14 days to provide me with the billing records. \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 \n\nThese late payments are inconsistent. It is no legal way Transunion verified any of this account information. Delete this account immediately. \n\n15 U.S. Code  1681 - Congressional findings and statement of purpose\nU.S. Code\nNotes\nAuthorities (CFR)\nprev | next\n(a) Accuracy and fairness of credit reporting\nThe Congress makes the following findings:\n(1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n(2) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n(3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n(4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n(b) Reasonable procedures\nIt is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.\n\n(a) Identity and purposes of credit users\nEvery consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n(b) Accuracy of report\nWhenever 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.\n\n(c) Disclosure of consumer reports by users allowed\nA consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.\n\n(d) Notice to users and furnishers of information\n(1) Notice requirement\nA consumer reporting agency shall provide to any person\n(A) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer; or\n(B) to whom a consumer report is provided by the agency;\na notice of such persons responsibilities under this subchapter.\n(2) Content of notice\nThe Bureau shall prescribe the content of notices under paragraph (1), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph (1) that is substantially similar to the Bureau prescription under this paragraph.\n\n(e) Procurement of consumer report for resale\n(1) Disclosure\nA person may not procure a consumer report for purposes of reselling the report (or any information in the report) unless the person discloses to the consumer reporting agency that originally furnishes the report\n(A) the identity of the end-user of the report (or information); and\n(B) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report (or information).\n(2) Responsibilities of procurers for resale\nA person who procures a consumer report for purposes of reselling the report (or any information in the report) shall\n(A) establish and comply with reasonable procedures designed to ensure that the report (or information) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report (or information) is resold and that resells or provides the report (or information) to any other person\n(i) identifies each end user of the resold report (or information);\n(ii) certifies each purpose for which the report (or information) will be used; and\n(iii) certifies that the report (or information) will be used for no other purpose; and\n(B) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph (A).\n(3) Resale of consumer report to a Federal agency or department\nNotwithstanding paragraph (1) or (2), a person who procures a consumer report for purposes of reselling the report (or any information in the report) shall not disclose the identity of the end-user of the report under paragraph (1) or (2) if\n(A) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information (as defined in section 1681b(b)(4)(E)(i)[1] of this title); and\n(B) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.'

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