Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report that was provided by your agency. I have reviewed my credit report and found the following information that I believe is incorrect : Avant charge off {$680.00} XXXX XXXX profit loss {$300.00} Self XXXX late {$82.00} XXXX XXXX late {$0.00} XXXX charge off {$2100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX Auto current XXXX day late {$22000.00} XXXX  charge off paid profit loss $ XXXX listed as current and closed on the other credit reporting companies Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft.Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments.Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved.

As a consumer, I am demanding the deletion of the accounts below. Please remove all inquiries which I did not authorize or give consent : Hard inquiries please remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX For your reference, I have attached the following documents to support my dispute : I understand that the FCRA mandates that credit reporting agencies complete investigations within 30 days and provide me with the results of their findings. Please inform me of the resolution at your earliest convenience. 
Thank you for your prompt attention to this 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 non-monetary relief