Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.

Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! XXXX requesting evidence to show why my accounts are considered delinquent or derogatory. 
This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you! 

XXXX XXXX XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : XXXX Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : ACCOUNT CLOSED BY CONSUMER Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$18000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Late30Days Term Length : -- Loan Type : Secured I stumbled across a funny thing in my credit report. There's this late payment for account XXXX XXXXXXXX XXXX XXXX for the year XXXX, in the month of XXXX, but it's all tied up in a billing error. Now, 15 USC 1666 of TILA says you're supposed to fix these errors. Cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX. 
( XXXX ) back this up too. Could you do me a favor and change that late to " paid as agreed '' or " never late, '' but keep everything else as is? 


You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

I'd really appreciate it! 

Yours Truly, 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