Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I need santander deleted from my credit report Opened XX/XX/XXXX Balance {$12000.00}. XXXX has violated my rights by violating the consent order. Below is the aritcle I also have attached the case involving this Settlement the Bureua of Consumer Finacial Protection has won how can XXXX continue to ruin consumers credit reports Delete this account immediatley. Also According to XXXX XXXX Transunion XXXX Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. I also want all payment history to be updated to paid as agreed for XXXX  XXXX account Open XX/XX/XXXX I have no recollection of ever being late 150 days Deliquent XX/XX/XXXX or any other time also same for XXXX XXXX XXXX XXXX shows late 30 days but all with different dates Transunion and XXXX say XX/XX/XXXX XXXX says XX/XX/XXXX remove late and show account as paid as agreed immeditaley. 

Bureau of Consumer Financial Protection Settles with XXXX XXXX XXXX XXXX. 
Company Did Not Properly Disclose Terms and Conditions of Its Auto Loan Add-On Product and Auto Loan Extensions XX/XX/XXXX Washington, D.C. Today the Bureau of Consumer Financial Protection ( Bureau ) announced a settlement with XXXX XXXX XXXX XXXX XXXX a consumer financial services company based in XXXX, Texas. 

As described in the consent order, the Bureau found that XXXX violated the Consumer Financial Protection Act of 2010 by not properly describing the benefits and limitations of its S-GUARD GAP product, which it offered as an add-on to its auto loan products. XXXX also failed to properly disclose the impact on consumers of obtaining a loan extension, including by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments. 

Under the terms of the consent order, XXXX must, among other provisions, provide approximately {$9.00} XXXX in restitution to certain consumers who purchased the add-on product, clearly and prominently disclose the terms of its loan extensions and the add-on product, and pay a {$2.00} XXXX civil money penalty. 
I have attached a copy of my Credit Report also to show Date of Last Activity for XXXX is even reporting inaccuratley on all 3 credit bureaus to further show that maxim verification has not been provided which is a FCRA Violation also the XXXX XXXX XXXX XXXX Shows 30 days deliquiency in separate months on all 3 credit bureaus XX/XX/XXXX Transunion XXXX and XX/XX/XXXX XXXX update immediatley and remove deliquency another Violation FCRA disputed before came back as verified how can that be with all these inaccuracies.

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