Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I am a XXXX survivor and current XXXX who decided to review my consumer reports and check on the status of my credit last year. To my surprise many of my consumer rights had been violated by all three credit bureaus. I have derogatory remarks that I want removed pursuant to the laws that protect me as the consumer found in 15 U.S. Code 1681.On TransUnion this account is listed as XXXX XXXX XXXX Acct XXXX XXXX. Date Opened : XX/XX/XXXX. Balance : { {$460.00} }. No of Months : Missing. High Credit : { {$460.00} }. Account Type : Collection. Date Last Active : XX/XX/XXXX. Comments : Account information disputed by consumer, meets FCRA requirements. This information does not match the reports of XXXX and XXXX. I am asking that this inaccurate information be removed Immediately. 

Account listed as XXXX Acct # XXXX. Date Opened : XX/XX/XXXX. No of Months : XXXX. High Credit : { {$1200.00} }. Account Type : Installment. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Charged off as bad debt. Profit and loss write-off. Two-Year Payment History : XXXX My rights to privacy have been violated. I am asking that this inaccurate information be removed Immediately. 

Account listed as XXXX Acct # XXXX. Date Opened : XX/XX/XXXX. High Credit : { {$2000.00} }. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Transferred to another lender. Two-Year Payment History : OK, XXXX { XXXX, XXXX, & XXXX }. This information does not match the reports of XXXX and XXXX ; the same account number is listed as a duplicate within my consumer report. I am asking that this inaccurate information be removed immediately. 

Account listed as XXXX Acct # XXXX. Date Opened : XX/XX/XXXX. High Credit : { {$1700.00} }. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Transferred to another lender. Two-Year Payment History : OK, XXXX { XXXX, XXXX, & XXXX }. This information does not match the reports of XXXX and XXXX ; the same account number is listed as a duplicate within my consumer report. I am asking that this inaccurate information be removed immediately. 

Account listed as XXXX XXXX Acct # XXXX. Date Opened : XX/XX/XXXX. Balance : { {$0.00} }. High Credit : { {$4000.00} }. Account Type : Installment. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Transferred to another lender. Two-Year Payment History : OK, XXXX, and XXXX { XXXX, XXXX, & XXXX }. This information does not match the reports of XXXX and XXXX ; the same account number is listed again within my consumer report. Mixed matched account with two different account numbers ( Account # XXXX ) per XXXX reporting. I am asking that this inaccurate information be removed immediately. 

Account listed as XXXX XXXX Acct # XXXX. Account Type-Detail : Installment. Date Opened : XX/XX/XXXX. High Credit : { {$3500.00} }. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Two-Year Payment History : OK, XXXX { XXXX, XXXX, & XXXX }. This information does not match the reports of XXXX and XXXX ; the same account number is listed again within my consumer report. Mixed matched account with two different account numbers ( Account # XXXX ). I am asking that this inaccurate information be removed immediately. 

Account listed as XXXX XXXXXXXX XXXX Acct # XXXX. Date Opened : XX/XX/XXXX. Balance : { {$1500.00} }. No of Months : XXXX. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Dispute resolved ; reported by grantor. Two-Year Payment History : OK, XXXX. This information does not match the reports of XXXX and XXXX. I am asking that this inaccurate information be UPDATED to OK or Paid As Agreed Never Late ( XXXX XXXX. SOURCE : 15 USC 1666 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.

I am a Federally protected consumer, per 12 CFR 1016.7 I am now opting out of any and all authorization whether it be written, non-written, verbal, or non-verbal, I the consumer may have given you.

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