Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave You, Credit Reporting Agency ) OR ( NAME OF CREDITOR ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. You, THOS ACCOUNT ARE NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$38000.00} XXXX  {$33000.00} XXXX {$600.00} {$33000.00} XXXX - - - CHARGE OFF XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$20000.00} XXXX  {$17000.00} - {$17000.00} XXXX - - - CHARGE OFF XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$3000.00} XXXX {$4700.00} - {$4700.00} XXXX - - - CHARGE OFF XXXX  DISPUTE RESOLVED - CUSTOMER DISAGREES ; COLLATERAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$50000.00} XXXX {$3200.00} XXXX - {$3200.00} XXXX - - - CHARGE OFF XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$250.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX DISPUTE RESOLVED REPORTED BY XXXX XXXX XXXX XXXX NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX XXXX NOT MY NAME MY NAME XXXX XXXX XXXXXXXX XXXX  AND INFORMATION WAS PROVIDED, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
XXXX XXXX XXXX v. TransUnion, LLC E.D. PA Plaintiff has an inaccurate account reporting on his TransUnion credit report. Defendant mixed Plaintiffs information and is reporting another persons account on Plaintiffs TransUnion credit report. Plaintiff disputed to TransUnion, but the account was verified. As a result of TransUnions inaccurate reporting, Plaintiff has been denied credit opportunities. 
XXXX XXXX v. Trans Union. Trans Union has mixed the file of XXXX XXXX XXXX. with his son who has the same name but is XXXX. As a result of Trans Unions mixing XXXX XXXX file his sons delinquent student loans and personal information were placed on Plaintiffs credit file. These delinquent accounts prevented XXXX XXXX from getting credit. 
XXXX v. Trans Union. Plaintiff is mixed on her Trans Union credit report with another consumer with a similar, but different, name. Due to Trans Unions faulty procedures, the report Trans Union prepared on Plaintiff contained an inaccurate criminal history, falsely labeling Plaintiff as a convict. As a result of the inaccurate report, Plaintiff was defamed and denied the ability to enter into a lease. 
XXXX XXXX XXXXXXXX XXXX XXXX, Trans Union, XXXX and XXXX. Plaintiffs mortgage servicer was XXXX XXXX XXXX. When the pandemic began, just like so many other homeowners, the plaintiffs were hit with financial stress, and qualified for, and agreed to, a forbearance. Despite the forbearance agreement being in place, XXXX XXXX XXXX began reporting to Trans Union, XXXX, and XXXX that plaintiffs were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, Trans Union, XXXX and XXXX all failed to correct the inaccurate reporting, and Plaintiffs suffered financial damage as a result.

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