Consumer complaint received 2024-09-15 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: MI

Complaint narrative:
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Dispute Details The closed account referenced above is inaccurately reported as all the reporting balance dates are incorrect. These accounts were not included in a wager plan. You are continuously updating the date of the last activity every single month on these closed accounts. It is clearly obvious that you are prolonging the statute of limitations for these accounts to make them last longer on my consumer report. The date of the last activity is and Im unsure you will change it next month. I am not sure if you have some type of business relationship with these creditors, but I am not happy that you are changing the date every month. this account was put on my credit report on, and you are making this account look newer than what it really is which is false and misleading.

Credit Reporting Act ( FCRA ).

As per 15 USC 1681i, I am entitled to dispute inaccuracies on my credit report and request that you investigate the matter within a reasonable timeframe. I have enclosed copies of relevant documents supporting my claim, including dispute letter. Additionally, under 15 USC 1681c, any negative information on a closed account should not be retained beyond the permissible period, typically seven years from the date of closure. Please ensure that any outdated or incorrect information is removed in compliance with this statute. Furthermore, 18 USC 8 states that any entity misusing or misrepresenting information, including credit reporting agencies, is subject to legal consequences. I trust that your agency adheres to these regulations and will correct the inaccuracies promptly. 

These accounts were not included in a wager plan. TransUnion owes me compensation for sharing incorrect information

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