Consumer complaint received 2024-02-07 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: PA

Complaint narrative:
Status of Accounts XXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX XXXX Status Delinquent - Payment 60 days overdue XXXX XXXX XXXX Status Derogatory XXXX Status Good XXXX XXXX, XXXX Status Good XXXX XXXX XXXX XXXX Status Good XXXX XXXX XXXX  Status Good XXXX  Status Good XXXX XXXX Status Good XXXX XXXX Status Good XXXX XXXX Status Good XXXX XXXX  XXXX Status Good CLOSED ACCOUNTS XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Status Derogatory XXXX XXXX Status Derogatory XXXX XXXX XXXX  Status Derogatory XXXX XXXX XXXX XXXX  Status Derogatory XXXX XXXX XXXX Status Delinquent - Payment 90 days overdue XXXX XXXXXXXX XXXX XXXX  Status Derogatory XXXX XXXX XXXX XXXX XXXX Derogatory XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Payment 120 days overdue XXXX  Status Derogatory XXXX Status Derogatory XXXX XXXX XXXX Status Good XXXX XXXX XXXX XXXXXXXX Status Good CAPITAL XXXX Status Good XXXX XXXX Status Good XXXX XXXX XXXX / XXXX Status Good XXXX  XXXX XXXX / XXXX Status XXXX XXXX XXXX XXXX Status Good Reporting erroneous derogatory remarks and late marks REQUEST TO CORRECT THE RECORD under Authority 31cfrq 1.21j 5usc 552a ( d ) ( 2 ) ( a ) ( b ) TIMELY RESPONSE ; WILLFULL NON COMPLIANCE TO CORRECT SAID RECORD WILL RESULT IN LITIGATION. 

Bureaus After reviewing a copy of my personal credit report, I have come across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.

Below are the errors I have identified : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 
XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your XXXX XXXX. 
XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$940.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to the permissible purpose of credit inquiries, specifically soft and hard pulls, as outlined in FCRA Section 604 and USC 1692 s- ( b ) 2.

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