Consumer complaint received 2024-05-05 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: TX

Complaint narrative:
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. I had recently reviewed my credit report and saw inaccurate information being report resulting in significant negative impact on my credit report. I never authorized this lender to make a hard inquiry on my credit report. Per credit consumer law ( 15 U.S. Code 1602p ) I request that you please remove this specific hard inquiry from my credit report immediately as for it is causing damage to my credit report proving inaccurate information which is in violation of my rights and of the FCRA.

I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. As well as reporting late payments on my account this is inaccurate information that is having a negative effect on my credit report causing a negative impact on my credit score and payment history. Under 15 U.S. code 1681s - 2 that is in violation of the law and my rights to report any inaccurate information. As well in violation of 15 U.S. code 1681 ( b ) reporting any information regarding my credit report without my written consent. With my account being shown as a charge off of bad debt that is inaccurate and having a negative effect on my credit report causing severe damage to my credit score and history under 15 U.S. code 1601. Regarding the reports of late payments effecting my credit negatively I want to refer that under 15 U.S. code 1666 ( B ) it is a violation of my rights reporting inaccurate information. This is all in violation of the FCRA and I would like them removed immediately. 

I have previously submitted disputes with the following individuals TransUnion, XXXX and XXXX. The disputes have been submitted on 3 or more separate occasions dating back from XX/XX/2024 til currently over the time period I have asked for them to verify proof there credit reports were accurate, they have yet to submit proof or proper accuracy I have pull credit reports from varies bureaus resulting in various instances where I found multiple instances of inaccurate information being reported having a significant negative effect on my credit scores.

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