Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Agent for TRANSUNION, EVERYTIME IN ACHURATE INFORMATION APPEARS I am racking up the fines and will be sending a large invoice for all the violations on my credit report. Starting at {$1000.00} for each violation. 

There are XXXX accounts that still appear on my report as charged off, current or collection. These accounts are reporting inaccurately and against all my natural inalienable rights of privacy and in accordance with any/all agreements. 

Under 12 CFR Part 1022 & 45 CFR Part 5b Under 15 U.S Code 168i ( 5 ) ( B ) ( ii ) ( iii ). This item ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) was deleted, and you reinserted them without notifying me 5 days after the account is in violation. 

Under 15 U.S. Code 1692e.False or misleading representation- ( 8 ) you failed to notate this account was in dispute within 30 days not this account in violation Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Accounts RESULT OF THE XXXX DATA BREACH DIRECT VIOLATION OF THE FCRA REPORTING FALSELY Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 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