Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Trans Union and XXXX are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.

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