Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
Date Generated XXXX XXXX XXXX  THIS IS MY SECOND LETTER THAT HAS BEEN PAST 67 DAYS THIS CONSISTS OF AN AUTOMATIC DELETION. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Detailed Dispute of Incorrect Information on Credit Report To Whom It May Concern, I am writing to provide a detailed explanation of the discrepancies that are damaging my credit report and require immediate attention and correction. Upon thoroughly reviewing my credit report, I have identified several inaccuracies that significantly impact my credit profile. There are unverifiable charge-off accounts and collections that are not validated or have a permissible purpose to report on my credit profile. 
Firstly, I am formally disputing the presence of the charge off, written off, or bad debt on my account. It is critical to note that according to the law, creditors are obligated to report written-off accounts to the IRS. However, I want to emphasize that I do not owe such debt, and the account is not charged off ; it is considered gross income. 
Furthermore, I have never provided written permission to have these accounts included in my credit profile. Under 15 U.S. Code 1681b ( a ) ( 2 ), I want to emphasize that I have never given written permission for these accounts to be included in my credit profile. Moreover, according to 15 USC 1681 ( e ) ( b ), the accuracy of the report is in question, as the last activity, last payment, payment history, and debt owed is incorrect. The Account opened date, Account status, account update date, Balance, and interest are also significantly inaccurate. It is imperative to emphasize that any debt reported as a charge-off and written-off is not considered gross income, and reporting it as such is a clear violation of inaccurate information, which has a detrimental effect on my creditworthiness and ability to access credit.

Furthermore, under 15 U.S. Code 6802, I want to draw attention to the fact that I have not been allowed to direct that such information not be disclosed to third parties, as required by the law. The accounts are not reporting correctly, and as per 15 USC 1681i ( 5 ), they are supposed to be modified accordingly. These accounts are not charged off, and according to 15 U.S.C. 1681s-2 ( A ) ( 1 ), inaccurate information should be rectified and removed without delay. The false and incorrect information reported, including late payments, clearly violates 15 USC 1681a ( 2 ) ( 1 ). My payment history is not 100 % accurate, and I want to emphasize that I have never been late. 
Additionally, I did not provide written or verbal consent for my personal information to be shared. In that case, it violates the Fair Credit Reporting Act : 15 USC 1681 Identity Theft & Willful Non-compliance. I have already taken the necessary steps to request XXXX, Transunion, and XXXX to reinvestigate these accounts because the last investigation wasn't investigated correctly and the information is incorrect and unverifiable, as they are significantly impacting my report, future goals, and my ability to provide for my family. 
I respectfully urge your immediate attention to the detailed discrepancies outlined and request the prompt removal or correction of the disputed items from my credit report. I also added a copy of my credit report so that you can identify what item I am demanding for removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), violation under 15 USC 1681 e ( b ), 15 usc 1681i ( 5 ) ( i ) ( ii ), 15 usc 1681s-XXXX ( a ) ( 1 ) ( A ) ( B ) ( i ) ( iXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( inaccurate/ false reporting/ identity theft ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Identity theft 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. ( a ) ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; REMOVE AND DELETE THIS INACCURATE AND ILLEGAL ACCOUNT. IDENTITY THEFT, NO WRITTEN OR VERBAL CONSENT WAS GIVEN TO REPORT. OPT-OUT from sharing any information. I do not owe such debt. According to XXXX XXXX Transunion XXXX, XXXX is supposed to ensure the MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), 15 usc 1666. Delete account from report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off. 
{$1500.00} written off. 
{$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Identity theft 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. ( a ) ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; REMOVE AND DELTE THIS INACCURATE AND ILLEGAL ACCOUNT. IDENTITY THEFT, NO WRITTEN OR VERBAL CONSENT WAS GIVEN TO REPORT. OPT-OUT from sharing ant information. I do not owe such debt. According to XXXX XXXX Transunion XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), 15 usc 1666. Delete account from report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : NO STATUS No payment history Identity theft 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. ( a ) ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; REMOVE AND DELTE THIS INACCURATE AND ILLEGAL ACCOUNT. IDENTITY THEFT, NO WRITTEN OR VERBAL CONSENT WAS GIVEN TO REPORT. OPT-OUT from sharing ant information. I do not owe such debt. According tXXXX XXXX XXXX Transunion XXXX XXXX  is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), 15 usc 1666. Delete account from the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : Account charged off. ( gross income ) {$1800.00} written off. ( gross income ) {$1800.00} past due as of XX/XX/XXXX. ( inaccurate/ unverifiable ) Balance : {$1800.00} Balance Updated : XX/XX/XXXX Credit Limit : {$1500.00} XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account charged off. {$1300.00} written off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless Not my account/ unverifiable account/ Remove this violation immediately. Validate this account immediately with my name sign in an ink signature. 15 usc 1692g, 15 usc 1681i ( a ) ( 1 ) ( A ) ( 5 ) ( i ) ( ii ). IDENTITY THEFT, NO WRITTEN OR VERBAL CONSENT WAS GIVEN TO REPORT. OPT-OUT from sharing any information. I do not owe such debt. 
According to XXXX XXXX Transunion XXXX, XXXX is supposed to ensure the MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), 15 usc 1666. Delete the account and remove inaccurate late payments from the report immediately. 



Sincerely, XXXX XXXX

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