Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
4. LATE PAYMENT STATUS INCORRECT XXXX Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 5. LATE PAYMENT STATUS INCORRECT XXXX  Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 6. LATE PAYMENT STATUS INCORRECT XXXX  Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 7. Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.

Company has also No permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is against FCRA reporting 8. ACCT VALIDATION XXXX Account Number : XXXX I request you to validate the debt on this account. Reported on my credit report by acct # XXXX. Pursuant to section 611 ( a ) ( I ) ( A ) of the Fair Credit Reporting Act ( FCRA ) and the overarching guidelines of the FCRA Public Law 91-506, Title VI, Sections 611 ( a ) through ( d ), I am invoking my right to a detailed and meaningful investigation of disputed items listed. In line with these provisions, I request a comprehensive description of the procedure used to verify the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days Following the completion of your investigation. This includes the name, address, and telephone number of everyone contacted regarding this alleged account, along with copies of any documents bearing my signature the purportedly established a legal binding contractual obligation to pay the amount claimed. Please be aware that the automated responses or E -Oscar verifications are unacceptable for addressing this matter. A detailed investigation and explicit disclosure of your verification method are required as per the statutory guidelines. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 9. LATE PAYMENT STATUS INCORRECT XXXX  Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 10. ACCT CHARGE OFF XXXX XXXX XXXX XXXXccount Number : XXXX Pursuant to XXXX8 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.

Company has also No permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is against FCRA reporting law. Your company has taken a tax deduction as a write off and can't report that balance still owed delete this now or I will take legal action I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 11. ACCT CHARGE OFF XXXX XXXXXXXX Account Number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.

Company has also No permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is against FCRA reporting law. Your company has taken a tax deduction as a write off and can't report that balance still owed delete this now or I will take legal action I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me 12. LATE PAYMENT STATUS INCORRECT XXXX Account Number : XXXX Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me In

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