Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently received a copy of my XXXX, XXXX, and Transunion credit report, and I noticed some Inaccurate account posted on my credit report : XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation. XXXX reported late payments. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]

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