Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) ( R ) : Please Verify for accuracy. 
( XXXX ) : 11 Please verify accuracy. 
Status : ( INCORRECT under 15 usc 1681e ( b ) IDENTITY THEFT under 15 usc 1681s-2 and reporting information without consent is a violation ) Please verify for accuracy. 
Last Payment Date : XX/XX/XXXX 30 day late, XX/XX/XXXX 60 day late ( Reporting last payment in payment ledge on XX/XX/XXXX ). Opened : XX/XX/XXXX Credit Limit : $ XXXX PAYMENT HISTORY : Code 93, Code 59.

INCORRECT CHARGE OFF REPORTING ACTIVE : Code 68 INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT ACCOUNT TYPE : Code 34. 
INCORRECT OF DELINQUENCY : Code 82.

Past Due Balance : {$380.00} DELETE LATE PAYMENTS OR ENTIRE ACCOUNT FROM MY REPORT IMMEDIATELY UNDER 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 usc 1681i ( 5 ) a ( F ) ( i ) ( a ) ACCOMMODATION XXXX XXXX XXXX XXXX  ( XXXX ) ( R ) : Please Verify for accuracy. 
ACCOUNT SOLD OR TRANSFERRED : VIOLATION 15 usc 1681e ( b ) UNVERIFIABLE. 
IDENTITY THEFT Special Comment ( XXXX ) : DA ( Delete entire account information ) Incorrect usage/ Account was opened due to Identity Theft/ FRAUD. 
INCORRECT PAYMENT HISTORY : Code 93, Code 59.

INCORRECT CHARGE OFF REPORTING ACTIVE : Code 68 INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT ACCOUNT TYPE : Code 34.

INCORRECT OF DELINQUENCY : Code 82. 
INCORRECT OWNERSHIP/ ACCOUNT IS FRAUD : Code 24 XXXX. XXXX XXXXXXXX XXXX XXXX Status : 2 LATE PAYMENT XX/XX/XXXX 30 day late, and XX/XX/XXXX 60 day late ( INCORRECT under 15 usc 1681e ( b ) IDENTITY THEFT under 15 usc 1681s-2 and reporting information without consent is a violation ) Please verify for accuracy. DELETE LATE PAYMENTS under 15 usc 1666B ( a ) ( b ), 15 usc 1637a ( a ) creditor / Any agency must not treat a late payment as a transaction on an open end consumer credit plan as late for any purpose. ( REMOVE AND DELETE update to PAID ON TIME/ GOOD STANDING ) INCORRECT PAYMENT HISTORY : Code 93, Code 59.

INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT OF DELINQUENCY : Code 82.

YOUR COMPANY, reporting such late payments with out my written instruction verbally this is a violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. I never made a late payment. Payment history is not accurate, or verifiable due to inaccuracies. DELETE all late payments IMMEDIATELY! 


XXXX. XXXX XXXX ( FRAUD ) Status : 5 LATE PAYMENT XX/XX/XXXX 30 day late, XX/XX/XXXX 60 day late, XX/XX/XXXX 90 day late, XX/XX/XXXX 120 day late, XX/XX/XXXX 120 day late, and charge-off XX/XX/XXXX ( INCORRECT under 15 usc 1681e ( b ) IDENTITY THEFT under 15 usc 1681s-2 and reporting information without consent is a violation ) Please verify for accuracy. Special Comment ( XXXX ) : DA ( Delete entire account information ) Incorrect usage/ Account was opened due to Identity Theft. 
INCORRECT PAYMENT HISTORY : Code 93, Code 59.

INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT OF DELINQUENCY : Code 82.

Stop all activities/ reporting and Delete this fraudulent account from my report, This Identity theft account was sold to a debt buyer and I got the issue rectified by the debt buyer and all activities was stop and tradeline deleted. BEING THAT YOUR COMPANY, reporting such debt without my written instruction verbally this is a violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. DELETE IMMEDIATELY! 15 usc 1681i ( 5 ). 




XXXX. XXXX XXXX XXXX XXXX ( REPORTING FALSE INFORMATION ) Opened : XX/XX/XXXX CREDIT LIMIT : {$1500.00} Last updated : XX/XX/XXXX Payment status : pay as agreed ( NEVER LATE ) Last Payment : XX/XX/XXXX Balance {$2400.00} High Credit {$2900.00} Available Credit $ XXXX Credit Utilization : 162 % ( REMOVE UTILIZATION I DIDNT GIVE PERMISSION TO REPORT SUCH INFORMATION ) BLOCK UTILIZATION. REPORT 0 % REPORTING DELIQUENT : XX/XX/XXXX 30 day late, and XX/XX/XXXX 60 day late ( incorrect/unverifiable/incomplete under 15 usc 1666a ( a ) , 15 usc 1681e ( b ) Payment history Ledge : UNVERIFIABLE PAYMENT HISTORY UPDATE IMMEDIATELY OR REMOVE ENTIRE ACCOUNT DUE TO INACCURACIESAND REPORTING INFORMATION WITHOUT MY WRITTEN INSTRUCTION. INCORRECT PAYMENT HISTORY : Code 93, Code 59.

INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT OF DELINQUENCY : Co

de 82. YOUR COMPANY, reporting such debt without my written instruction verbally this is a violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. DELETE LATE PAYMENT IMMEDIATELY! 15 usc 1681i ( 5 ). 

XXXX. XXXX XXXX XXXX XXXX Account Status : CHARGE_OFF Account Type : REVOLVING Balance and Amounts Balance : {$1800.00} Credit Limit : {$1000.00} Available Credit : $ XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : Date of First Delinquency : XX/XX/XXXX Comments : CHARGED OFF ACCOUNT ( incorrect/incomplete account under 15 usc 1666 ( a ) a ( UNVERIFIABLE INFORMATION IS NOT 100 % ACCURATE ) Payment history has multiple incorrect information that is damaging my report. 
Account was settled and THIS ACCOUNR WAS FILED WITH 1099c with IRS This account is Tax exempt ( Account should be liable as Gross Income ) ACCOUNT SHOULDNT BE REPORING ESPECIALLY WITH LATE PAYMENT. 
ACCOUNT IS NOT A CHARGE OFF PLEASE REMOVE ACCOUNT IMMEDIATELY WITH DELETION. 
Special Comment ( XXXX ) : DA ( Delete entire account information ) Incorrect usage/ Account was opened due to Identity Theft. 
INCORRECT PAYMENT HISTORY : Code 93, Code 59. 
INCORRECT INFORMATION FROM CREDITOR : Code 112 INCORRECT OF DELINQUENCY : Code 82.

Stop all activities/ reporting and Delete this fraudulent account from my report, This Identity theft account was sold to a debt buyer and I got the issue rectified by the debt buyer and all activities was stop and tradeline deleted. BEING THAT YOUR COMPANY, reporting such debt without my written instruction verbally this is a violation under 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. DELETE IMMEDIATELY! 15 usc 1681i ( 5 ) DELETE LATE PAYMENTS under 15 usc 1666B ( a ) ( b ), 15 usc 1637a ( a ) creditor / Any agency must not treat a late payment as a transaction on an open end consumer credit plan as late for any purpose. ( REMOVE AND DELETE update to PAID ON TIME/ GOOD STANDING IF NOT REMOVE ENTIRE ACCOUNTFOR INACCURCIES AND NON-COMPLIANCE

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