Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion : Note : All items listed in this Dispute Letter have been NEGLECTED and REFUSED to investigate nor validated by Transunion to determine the accuracy. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions All of the following should be removed from this credit report immediately and I do not authorize any of these items to be reported once removed. 

1. XXXX XXXX XXXX XXXXXXXX ( incomplete account number, how can you verify this account is accurate if Transunion does not have the complete account number ) Stop reporting this account for FCRA NON COMPLIANCE of data furnished on my report. 
-This account is showing a late payment which is incorrect and violates the Cares act : no late payments can legally be reported due to covid pandemic instances ( remove this account until this fraudulent information is updated ) - remarks are incorrect, Transunion failed to report previous investigation attempts and results- Transunion neglected to report, that this lender confirmed no late payments would be reported due to covid related circumstances.

-Date opened is incorrect this affecting credit age -Transunion neglected to report payment amounts history, to accurately show on the report to accurately show amounts of on-time installment payments made -Transunion is in violation for reporting the wrong pay status, this account status should show paid in full and closed. 

2. XXXXXXXX XXXX XXXX XXXXXXXX ( incomplete account number, how can you verify this account is accurate if Transunion does not have the complete account number ) -This account is showing a late payment which is incorrect and violates the Cares act : no late payments can legally be reported due to covid pandemic instances ( remove this account until this fraudulent information is updated ) - remarks are incorrect, Transunion failed to report previous investigation attempts and results - Transunion neglected to report , that this lender confirmed no late payments would be reported due to covid related circumstances. 

3. XXXXXXXX XXXX XXXX XXXXXXXX ( incomplete account number, how can you verify this account is accurate if Transunion does not have the complete account number ) -This account is showing a late payment which is incorrect and violates the Cares act : no late payments can legally be reported due to covid pandemic instances ( remove this account until this fraudulent information is updated ) - remarks are incorrect, Transunion failed to report previous investigation attempts and results - Transunion neglected to report , that this lender confirmed no late payments would be reported due to covid related circumstances. 

4. XXXX account number XXXX Paid and closed, no late payments reported yet it shows a ( c ) status in the payment history as a collection. This is just wrong, Transunion has maliciously destroyed my report file and it has caused generational trauma. Delete this or update to show this was never a collections. Provide documentation proving this is or was a collection account. Provide the updated balance, and provide the most recent payment, provide the original balance and highest balance reported. If this information can not be updated, delete this account and no longer report this information again. 

5. XXXXXXXX XXXX XXXX XXXX  XXXX What is the update balance? ( fyi : this account has been paid in full, yet transunion neglects to show a XXXX XXXX XXXX ) balance ( this is a major violation ). This account was never late, yet shows recent late payments on an account that is closed. Delete immediately. 

6. XXXXXXXX XXXX XXXX XXXX XXXX What is the update balance? ( fyi : this account has been paid in full, yet Transunion neglects to show a XXXX XXXX XXXX  ) balance ( this is a major violation ). This account was never late, yet shows recent late payments on an account that is closed. Delete immediately. 



Delete these hard inquiries, they are not authorized, and transunion neglects to removed them.

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