Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have been in a XXXX battle with Transunion over my consumer report because it is riddled with inaccurate information. See attached copy of the very first letter that Transunion signed for on XX/XX/XXXX. I have also filed multiple complaints with the CFPB, XXXX, and New Mexico Attorney General 's office noting these errors. This is extremely damaging because I am in the process of trying to buy a new home for my family, and due to Transunion 's negligence of the FCRA laws, I am unable to purchase a home for my growing family. I have also been unable to qualify for an auto loan or favorable credit terms due to this highly inaccurate information. Transunion has just provided me with re-investigation results on XX/XX/XXXX stating that they have fully verified the accuracy of the information on my report. And yet again, the information is BLATANTLY incorrect. It has cost me thousands of dollars in high interest rates, as well as loss of income due to being denied jobs for derogatory information that is incorrect on my consumer report. According to 616. Civil liability for willful noncompliance 15 U.S.C. 1681n : Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer ( iii ) damages of not more than {$1000.00} for each willful or negligent violation ; I want {$1000.00} per violation for a total of ( {$5000.00} ) and to remove all of the following incorrect information furnished on my Transunion consumer report : XXXX XXXX XXXX Date Opened is incorrect : I did not open ANY new accounts with any company in XX/XX/XXXX. I certainly did not open any account with XXXX XXXX at any time Account Type is incorrect : It is not possible for an account to be both In Collection and also Open at the same time. Additionally, Open is not a viable categorization for account type Loan Type is incorrect : I do not and have never received a loan with any collection agency or attorney Balance is incorrect : A balance can not be carried on a closed account. A balance can only be carried on an open account. However, this account is being reported as In Collection. XXXX XXXX is incorrect : A balance can not be carried on a closed account. It can only be carried for an open account. However, this account is being reported as Charged Off, with a Close Date of XX/XX/XXXX. Additionally, the Original Charge-Off amount is reporting as {$18000.00}. So, what exactly would that Balance amount be regarding? Terms are incorrect : It is not mathematically or humanly possible for a person to owe {$17000.00} on a loan whose monthly payments are {$0.00} for 73 months. Family Support Svcs Dept Account Type is incorrect : It is not possible for an account to be both Closed and Open at the same time. The Close Date is clearly reporting as XX/XX/XXXX. Additionally, Open is not a viable categorization for account type Loan Type : I do not and have never received a Child Support Loan XXXX XXXX XXXX XXXX Account Type is incorrect : It is not possible for an account to be both In Collection and also Open at the same time. Additionally, Open is not a viable categorization for account type Loan Type is incorrect : I do not and have never received a Debt Buyer Loan First Premier Bank Balance is incorrect : A balance can not be carried on a closed account. A balance can only be carried on an open account. However, this account is being reported as Charged Off. Last Payment Amount is incorrect : Payments were being made on this account. Transunion shows that payments were being made in the payment history section. There is also a Late Payment Date reporting as XX/XX/XXXX, so why is the payment amount still inaccurate? Last Payment Date is incorrect : XX/XX/XXXX is showing as the Last Payment Date, but the payment history shows that XX/XX/XXXX reflected a current payment.

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