Consumer complaint received 2024-06-22 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: CT

Complaint narrative:
UPDATE TO CLAIM XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TRANSUNION YOU WERE PALCED ON NOTICE OF YOUR WILLFULL VIOLATIONS UNDER 15 USC 1681a2 ( ii ) - 15 usc 1681C ( 4 ) ( 5 ) ( 6 ) - 15 USC 1681e ( b ). YOU WERE DEMANDED TO EXERCISE YOUR GRAVE DUTIES UNDER THE FCRA AND REMOVE THE INACCUARETE INFORMATION FROM MY CONSUMER REPORT AND YOU HAVE WILLFULLY REFUSED TO DO SO EVEN PAST 30 DAYS OF ALLEGED INVESTIGATION. YOU HAVE WILLFULLY VIOLATED THE FCRA AND HAVE WILLFULLY CONTINUED TO WILLFULLY HARM MY REPUTATION BY REPORTING INCOME ON MY CONSUMER REPORT AS PER I.R.S. TOPIC 431 CHARGED OFF ACCOUNTS ARE CONSINDERED INCOME AND DO NOT BELONG ON A CONSUMER REPORT. NOT ONLY THAT BUT CHARGED OFF ACCOUNT ARE TRANSACTION ACCOUNTS WHICH PER 15 USC 1681a2 ( ii ) CONGRESS STATES A CREDIT REPORT " DOES NOT '' INCLUDE TRANSACTIONAL INFORMATION BETWEEN THE CONSUMER AND THE PERSON FURNISHING THE INFORMATION. FURTHER MORE PER 15 USC 1681c ( 4 ) ( 5 ) IT STATES NO AGENCY MY FURNISH A CREDIT REPORT THAT CONTAISN 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. YOU HAVE WILLFULLY DISOBEY THIS PROVISION DESPITE A PROPER NOTICE AND DESPITE GOING PAST 30 DAYS AND CONTINUE TO HARM MY REPUTATION AND CONFIDENCE IN THE BANKING SYSTEM. YOU HAVE BEEN MADE AWARE VIA NOTICE OF INFORMATION THAT IS KNOW TO BE INACCURATE PER 15 USC 1681S-2, WHERE YOU HAV A GRAVE DUTY TO NOT FURNISH SUCH INFORMATION AND SHALL COMPLY ASWELL AS PER METRO2 COMPLIENCE. YOU ARE ALSO UNDER VIOLTION UNDER THIS PROVISION. HENCE YOU ARE WILLFULLY FURNISHING INACCURATE INFORMATION THIS MEANS YOU HAVE NOT TAKEN MAXIMUM PROCEDURES TO ASSURE MAXIMUM ACCURACY WITH INTEGRITY AND RESPOECT TO THE COSNUMER TO INSURE CORRECTNESS AND FAIRNESS. YOU ARE IN VIOLATION UNDER THIS ROVISION AS WELL PER 15 USC 1681e ( b ). NOTICE IT IS FACT YOU HAVE CONDUCTED AN INVESTIGATIVE REPORT AND PER 15 USC 1682d ( b ) YOU ARE REQUIRED TO PROVIDE ME THE COMPLETE AND ACCURATE DISCLOSURES THAT YOU TOOK TO VERIFY THE INACCURATE INFORMATION. PER 15 USC 1681i I DEMADN YOU PROVIDE ME WITH THE PROCEDURE WITH EXACT STEPS TO VERIFY THE INACCURATE INFORMATION THAT COMPLIES WITH ALL PROVISIONS UNDER THE FCRA AND METRO2 COMPLIENCE AND IF YOU CAN NOT PROVIDE THAT INFORMATION YOU SHALL DELETE THE ALLOTTED ACCOUNTS MENTIONED IN PREVIOUS COMPLAINT. NOTICE IT IS A FACT YOU ARE GIVEN UNDER THE FCRA 30 DAYS TO COMPLY ACCORDING WITH YOUR GAVRE DUTIES AND YOU HAVE SERPAST 30 DASY AS OF XX/XX/year> AND YOU SHALL NOW REMOVE THE ALLOTTED ACCOUNTS MENTIONED. IF YOU WISH TO CONTINUE TO WILLFULL VIOLATE YOUR GAVE DUTIES ND CAUSE HARM TO MY REPUTATION YOU WILL BE HELD ACCOUNTABLE PER 15 USC 1681n AND YOU WILL BE HELD LIABLE UNDER ELEVENTH CIRCUIT COURT RULING " XXXX XXXX et al. v. XXXX XXXX XXXX XXXX WHERE I WILL SEEK STATUTORY DAMAGES

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