Consumer complaint received 2024-01-18 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: TN

Complaint narrative:
The following accounts are violating my rights by report the following information to my credit report with the following late payments. In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681a2Ai states I have the right to privacy. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Ive recently requested verification of inaccurate accounts reporting on my credit report and received a response stating the account was verified and unable to remove accounts. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FC

RA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is requirea to forward all relevant information to the original
creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my report. Also, for a lender to CHARGE OFF any debt the lender that cancels or forgives a debt must send Form 1099-C to the IRS and the borrower. If I receive a 1099-C, I may have to report the amount shown as taxable income on your income tax return. This form was not sent which violates 15USC 1681eb which states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I also noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX ACCT # XXXX XXXX Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  Balance {$97.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX Balance {$440.00} CHARGE OFF XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ACCT # XXXX Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX Balance {$120.00} Past due {$97.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX Balance {$440.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX TransUnion XXXX XXXX XXXX / XXXX Late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$440.00} CHARGE OFF XXXXXXXX XXXX XXXX XXXX  Late XXXX XXXX XXXX XXXX XXXX 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 explanation