Consumer complaint received 2024-08-11 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: TX

Complaint narrative:
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. And this report is reporting inaccurate says late 60 days XXXX time then 90 days XXXX time but 0 times late for XXXX please remove for inaccurate data furnished on my credit report NOW!!!! XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$320.00}. I was never late on this account. Please show me documentation showing proof of a transaction showing was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC $ 1681b Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$XXXX} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$XXXX}. Failure to respond satisfactorly 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 {$XXXX} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC $ 1692g violations 4. Fair Credit Reporting Act 15USC {$XXXX} violations for willful noncompliance - 616. Civil liability for wilful noncompliance [ 15 U.S.c. $ 1681n ]. XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. I was never late on this account. Please show me documentation showing proof of a transaction showing was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC $ 1681b Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$XXXX} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$XXXX}. Failure to respond satisfactorly 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 {$XXXX} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC $ XXXX violations 4. Fair Credit Reporting Act 15USC {$XXXX} violations for willful noncompliance - 616. Civil liability for wilful noncompliance [ 15 U.S.c. $ 1681n ]. XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. I was never late on this account. Please show me documentation showing proof of a transaction showing was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC $ 1681b Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$XXXX} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$XXXX}. Failure to respond satisfactorly 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 {$XXXX} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC $ 1692g violations 4. Fair Credit Reporting Act 15USC {$XXXX} violations for willful noncompliance - 616. Civil liability for wilful noncompliance [ 15 U.S.c. $ 1681n ]. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. I was never late on this account. Please show me documentation showing proof of a transaction showing was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per XXXX5 USC $ 1681b Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$XXXX} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$XXXX}. Failure to respond satisfactorly 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 {$XXXX} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC $ 1692g violations XXXX. Fair Credit Reporting Act XXXX {$XXXX} violations for willful noncompliance - 616. Civil liability for wilful noncompliance [ 15 U.S.c. $ 1681n ]. XXXX XXXXXXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. I was never late on this account. Please show me documentation showing proof of a transaction showing was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC $ 1681b Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$XXXX} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$XXXX}. Failure to respond satisfactorly 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 {$XXXX} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC $ 1692g violations 4. Fair Credit Reporting Act 15USC {$XXXX} violations for willful noncompliance - 616. Civil liability for wilful noncompliance [ 15 U.S.c. $ 1681n ]. XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. I was never late on this account. Please show me documentation showing proof of a transaction showing was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC $ 1681b Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$XXXX} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$XXXX}. Failure to respond satisfactorly 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 {$XXXX} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC $ 1692g violations 4. Fair Credit Reporting Act 15USC {$XXXX} violations for willful noncompliance - 616. Civil liability for wilful noncompliance [ 15 U.S.c. $ 1681n ]. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. I was never late on this account. Please show me documentation showing proof of a transaction showing was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC $ 1681b Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$XXXX} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$XXXX}. Failure to respond satisfactorly 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 {$XXXX} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC $ 1692g violations 4. Fair Credit Reporting Act 15USC {$XXXX} violations for willful noncompliance - 616. Civil liability for wilful noncompliance [ 15 U.S.c. $ 1681n ].

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