Consumer complaint received 2024-08-21 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: MD

Complaint narrative:
XXXX XXXX XXXX - alleged XXXX past due late payments DISPUTE under following US laws XXXX governance : : XXXX15 USC 1692e False/misleading representations -15 USC 1692g Debt Validation- requested proof of debt -15 USC 1681a ( 2 ) a ( i ) Definition/Rules of construction - report cannnot contain information solely as to transactions or experiences between consumer and creditor -15 USC 1681s-2 Responsibility of furnisher to provide documentation. 

XXXX XXXX XXXX XXXX XXXX alleged collection/charge off DISPUTE under following US laws of governance -15 USC 1692e False/misleading representations -15 USC 1681a ( 2 ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor.

-15 USC 1681b - Permissable Purpose, no signed contract with entity to collect information or data.

-15 USC 1681s-2 Responsibility of furnisher to provide documentation -15 USC 1692g Debt Validation- requested proof of debt XXXX Funding XXXX XXXX alleged collection/charge off DISPUTE under following US laws of governance XXXX XXXX XXXX XXXX Validation- requested proof of debt XXXX XXXX XXXX False/misleading representations XXXX XXXX XXXX - XXXX Purpose, no signed contract with XXXX to collect information or data. 
XXXX XXXX XXXX ( XXXX ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor. 
XXXX XXXX XXXX Responsibility of furnisher to provide documentation Hunter XXXX XXXX XXXX collection DISPUTE under following US laws of governance -15 USC 1692g Debt Validation- requested proof of debt -15 USC 1692e False/misleading representations -15 USC 1681b - Permissable Purpose XXXX no signed contract with entity to collect information or data. 
-15 USC 1681a ( 2 ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor.

-15 USC 1681s-2 Responsibility of furnisher to provide documentation Capital XXXX XXXX XXXX alleged charge-off ( secured card XXXX security deposit forfeited - balance paid ) This charge-off is in violation of the Fair Credit Reporting Act ( FCRA ). Accordingly, a charge-off ( written off ) must show XXXX ( XXXX ) balance or its being illegally and inaccurately reported. RE : XXXX vs. XXXX XXXX XXXX Even Code ( XXXX ) where chargeoff was ruled XXXX with XXXX ( XXXX ) balance DISPUTE under following XXXX laws of governance XXXX XXXX XXXX Debt Validation- requested proof of debt XXXX XXXX XXXX False/misleading representations XXXX XXXX XXXX - XXXX Purpose, no signed contract with entity to collect information or data.

-15 USC 1681a ( 2 ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor.

-15 USC 1681s-2 Responsibility of furnisher to provide documentation XXXX XXXX XXXX XXXX alleged charge-off ( XXXX certified funds rec 'd before chargeoff date and credited to the account. HOWEVER, XXXX XXXX fraudulently " written off '' total balance and filed insurance claim AFTER creditng XXXX to this account. How are they able to double-dip? This is FRAUD and needs to be investigated by appropriate authority i.e. FTC, etc. 
This charge-off is in violation of the Fair Credit Reporting Act ( FCRA ). Accordingly, a charge-off ( written off ) must show XXXX ( XXXX ) balance or its being illegally and inaccurately reported. RE : XXXX vs. XXXX XXXX XXXX Even Code ( XXXX ) where chargeoff was ruled XXXX with XXXX ( XXXX ) balance DISPUTE under following XXXX laws of governance -15 USC 1692g Debt Validation- requested proof of debt -15 USC 1692e False/misleading representations -15 USC 1681b - XXXX Purpose, no signed contract with entity to collect information or data.

-15 USC 1681a ( 2 ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor.

-15 USC 1681s-2 Responsibility of furnisher to provide documentation

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