Consumer complaint received 2024-02-06 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:
Dispute 1 Account Number or other information to identify account : Source of dispute information : XXXX XXXX Type of disputed information : Transaction History Dates associated with item being disputed : Initial Date : XXXX in dispute are all dates from XXXX. 

Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. 

This company is reporting my transaction history which is a violation per Privacy Act of 1974 and 15 USC 1681. Also, I have not been given the option to opt out which should have been done initially and then every 30 days per 15 USC 6802 and CFR 313. The option to opt out was not and is not clear and conspicuous. 

Dispute 2 Account Number or other information to identify account : Source of dispute information : XXXX  XXXX Type of disputed information : Transaction History Dates associated with item being disputed : Initial Date : XXXX in dispute are all dates from XXXX. 

Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. 

This company is reporting my transaction history which is a violation per Privacy Act of 1974 and 15 USC 1681. Also, I have not been given the option to opt out which should have been done initially and then every 30 days per 15 USC 6802 and CFR 313. The option to opt out was not and is not clear and conspicuous. My transaction history needs to be removed. 

Account Number or other information to identify account : Source of dispute information : XXXX  XXXX Type of disputed information : Transaction History, Account is closed and paid as agreed. 

Dates associated with item being disputed : Initial Date : XXXX in dispute are all dates from XXXX. 

Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. 


Dispute 3 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Placed for Collection Date : XXXX in dispute are all dates from XXXX. 

Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account.

Dispute 4 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Transaction History, Account is closed and paid as agreed. 

Dates associated with item being disputed : Date Opened : XX/XX/XXXX Dates in dispute are all dates from XXXX. 

Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. 


Dispute 5 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. 

Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99.

Dispute 6 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. 

Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99.

Dispute 6 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. 

Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99.

Dispute 7 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. 

Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99.

Dispute 8 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. 

Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99. 

Dispute 9 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. 

Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99.

Dispute 10 & 11 Account Number or other information to identify account : {$960.00} and {$710.00} Respectively Source of dispute information : XXXX XXXX XXXX Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Placed for Collection Date : XX/XX/XXXX. 

Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account.

Dispute 12 Account Number or other information to identify account : Source of dispute information : XXXX Card Services Type of disputed information : Transaction History Dates associated with item being disputed : Original Date XX/XX/XXXX. 

Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. 

Dispute 13 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. 

Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99.

Dispute 14 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX XXXX. 

Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XXXX : XXXX. 

Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. 

Dispute 15 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. 

Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. 

Dispute 16 & 17 Account Number or other information to identify account : Source of dispute information : XXXX XXXX and Collections Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Original Date : XX/XX/XXXX and XX/XX/XXXX. 

Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account.

Dispute 18 Account Number or other information to identify account Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Original Date : XX/XX/XXXX. 

Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account.

Dispute 19 Account Number or other information to identify account : Source of dispute information : XXXX XXXX. 

Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Original Date : XX/XX/XXXX. 

Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account.

Dispute 20 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX. 

Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed.

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