Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently disputed this debt, and the company responded they will have the CRA 's remove the information from my credit report due to them violating my consumer rights. However, TransUnion is choosing willful non-compliance and not deleting the information from my report. 

Here is the original dispute : I recently went to apply for an office for my XXXX, and was denied due the fact that the owner thought I had accounts that were recently delinquent. I was shocked and hurt by this decision because that wasnt true. I tried to explain to them and showing them proof but they simply said until your credit report is updated we are unable to rent you the location. So I went back and reviewed my credit reports, and found that what she was talking about. I realized that although she was correct, in what she saw, what was being reported was totally inaccurate and a violation of my consumer rights. I also learned that this tactic of posting a newer date is called " re-aging '' of debt, to make the account appear new further damaging the report and ultimately credit opportunities of the consumer. It also extends the time in which the purpoted debt stays on ones report. Here are the laws that uphold my rights in which they are violating : 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 ( a ) -Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681c -Requirements relating to information contained in consumer reports ( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Here are the debt collection companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit Reporting Companies : XXXX XXXX TRANSUNION The dates are outside of the allowed limits of 180 days after deliquency, from the date of last payment on all of the following accounts. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached screenshots.

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