Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Disputing Information in Credit Report I am writing to dispute the account of : XXXX. I did have a XXXX account but it was removed for a few years now. The XXXX account was an auto loan therefore a closed end account. My account was paid off due to insurance proceeds. The insurance company took longer than it should have and initially it was marked late but this was due to the insurance company and this is why it was removed from my credit report since it was not an accurate reflection of my credit profile.

The following reasons that this account is inaccurate, incomplete, does not belong to me, and should be deleted from my credit report and blocked are : 1. The current transunion report says it has not been disputed when in fact it has. I have enclosed the recent transunion report. Not adding that this was disputed
information is a FCRA VIOLATION!!!

2. The current transunion report along with the verified as accurate dispute results both read that the account has been charged off, written off, has a balance, a past due amount, and is an open account. This is a violation of FCRA since it is inaccurate. This account is now reporting missed payments since it is reporting as open and past due. Not my account. DELETE THIS ACCOUNT!!! FCRA VIOLATION 607 ( B ).

3. The account I had was a closed-end credit account meaning it's to be used one time, ( Example car loan ). So for this to be originally opened XX/XX/XXXX and closed XX/XX/XXXX, then reinserted in XX/XX/XXXX and then reopened XX/XX/XXXX is incorrect of my terms of any closed end loan. This account does not belong to me. This is inaccurate reporting. DELETE THIS ACCOUNT!!!! FCRA VIOLATION 607 ( B ).

4. The verified as accurate information states that the monthly payments are {$300.00}, 43 month term, and a high balance of {$12000.00}. Unless this is a XXXX interest fee loan this is logically inconsistent information. FCRA violation 607 ( b ) DELETE THIS ACCOUNT!!!!

5. This account is reported as a charge-off but no payment history. No date of first delinquency, nothing. This account is already over 7 years and 180 days old. FCRA violation 605 ( a ). DELETE THIS ACCOUNT!!

6. This account was readded to my credit report in XX/XX/XXXX, why? It was closed in XX/XX/XXXX. Taken off my credit report sometime later. Why re-add it 5 years after closure? If it was re-added how did you, Transunion, verify this data was accurate? FCRA violation 611. 
XXXX. XXXX already deleted this account. This should have been on the automated reinvestigation system ( I have enclosed equifaxs removal ) and I should have been notified of a derogatory status of an account being added to my credit report, which I was not. FCRA VIOLATION 611.

8. I have filed an identity theft report and police report for identity theft due to unauthorized accounts being opened in my name. These both are included.

9. If this is allegedly my account please provide me with a signed contract which was used to open this account more than 5 years after it was closed. ( You don't reopen a closed end loan more than 5 years later, just FYI. You have to reapply for another line of credit ) That is in my name and documents to prove my current address and identity as it is required of me to obtain a copy of my credit report.

10. According to the statement the balance was updated in XX/XX/XXXX. Please provide me with a certified copy of the payment that was made to this account. Credit card, copy of the check, a cash receipt which I would have made in person ( even though I do not live anywhere near NC ) 11. This original account was opened and closed in NC. NC has a statute of limitations of 3 years. Even if I had a balance on my loan you can not re-age this loan. That alone is illegal!!!! There is no past due amount. Incorrect reporting since this account is reporting not only past due but also missing payments!!! Once again destroying any chances I will ever have to obtain a car loan or home loan.

12. I have enclosed a police report and identity theft report due to XXXX repeatedly harming me by false reporting, causing me financial ruins!!! I am providing my license and proof of address and am demanding a BLOCK ON ANY VARIATION OF XXXX!!! 7 MONTHS THIS IS STILL ON MY REPORT JUST FOR THE CREDIT BUREAU TO STATE TO ME ITS VERIFIED AS ACCURATE. WELL IF IT IS NOT DELETED AND BLOCKED I WOULD LIKE TO KNOW THE EXACT PROCESS THAT WAS PERFORMED TO COME TO THE CONCLUSION OF VERIFIED AS ACCURATE AND ANY DOCUMENTS THAT WERE PROVIDED TO COME TO THIS CONCLUSION.

13. The remark of charge off was not added until XX/XX/XXXX. NOT A CORRECT REFLECTION OF MY ACCOUNT THAT WAS CLOSED IN XX/XX/XXXX WITHOUT THE REMARK OF CHARGE OFF.

I have provided you with adequate documents ( which included a copy of my drivers license and proof of address ) to give reason to support deletion of this account. Please delete the disputed account of XXXX, as soon as possible, to prevent future harm as I am being denied housing due to this account showing past due and charge off as of XX/XX/XXXX. 
Sincerely, XXXX XXXX Enclosures : Enclosed are copies of : 1.account was readded to my credit report, 2. when the status of charge off was added to this account, 3. when this account was reopened along with the 4. original date it was opened and the 5. original date of it being closed, 6. credit alert for missed payments on this account, 7. harm this fraudulent account is causih ng to my credit, 8. proof that XXXX already deleted this ( this should be in the nationwide credit reporting system ), 9. proof of my current address which is in Illinois not North Carolina, 10. my drivers license, 11. police report for identity theft, 12. the current Transunion report, 13. the results from the first dispute which came back verified as accurate

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