Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
This Consumer Reporting Agency is in clear violation of the law. I obtained a copy of my TransUnion Report and noticed the following data furnished below that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ).

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the fileof the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the fileof the consumer.

I also have not been notified with the description of your investigation results as per 15USC 1681i ( 7 ).

( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

The following collection account with an alleged debt of {$1800.00} along with 23 late transactions reported is inaccurate and not in Metro 2 Compliance. Please provide the original signed consumer agreement, where I gave your agency written authorization or permissible purpose to furnish this information on my report as per 15USC 1681 ( B ) as well as, all three of my privacy disclosures, ( a-c ) as per 15USC 6802 ( B ) that the person allegedly disclosed to me before contacting you with my nonpublic personal information to furnish the collection account, along with each original statement the person sent to me 21 days before each late transaction was furnished on my report as per 15USC 1666 ( b ) which also violates 15 USC 1681 ( 2 ) ( a ) ( i ) that states my transactions or experience to any person making the report are excluded from my report. If congress states my transactions to any person making the report are excluded, why are there late transactions furnished that have not been proven? 
Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX The following collection account with an alleged debt of {$920.00} furnished is inaccurate and not owed to the person. Please provide the original signed consumer agreement where I gave your agency written authorization or permissible purpose to furnish this collection on my report account as per 15USC 1681 ( B ) as well as, all three of my privacy disclosures, ( a-c ) as per 15USC 6802 ( B ) that the person or company allegedly disclosed to me before contacting you with my nonpublic personal information to furnish the collection account. 15 USC 1681 ( 2 ) ( a ) ( i ) that states my transactions or experience to any person making the report are excluded from my consumer report. If you can not provide these documents requested, this data furnished is a result of IDENTITY THEFT and must be removed from my report due to violations of 15 USC 1692 ( g ). This collection account IS NOT IN XXXX XXXX XXXX. 
The original creditor of this alleged debt XXXX XXXX XXXX removed the original account reported from all agencies contacted months ago, before attempting to sell this debt to the third party debt collector XXXX XXXX XXXX that is not owed to either party because XXXX  XXXX could not prove my legal responsibility to this debt due to the data being a direct result of identity theft and this same debt has been reinserted as an inaccurate collections account which violates 15USC1681i ( B ). 
Company Listed : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Opened Listed : XX/XX/XXXX The following account with an alleged debt of {$720.00} along with XXXX late transactions reported is inaccurate and not in XXXX XXXX Compliance. Please provide the original signed consumer agreement, where I gave your agency written authorization or permissible purpose to furnish this information on my report as per 15USC 1681 ( B ) as well as, all three of my privacy disclosures, ( a-c ) as per 15USC 6802 ( B ) that the person allegedly disclosed to me before contacting you with my nonpublic personal information to furnish the collection account, along with each original statement the person sent to me 21 days before each late transaction was furnished on my report as per 15USC 1666 ( b ) which also violates 15 USC 1681 ( 2 ) ( a ) ( i ). I also need a copy of the original agreement between the person who made this report and myself that proves my responsibility. If you cant provide these documents requested, this excluded data furnished is a result of IDENTITY THEFT and must be removed immediately. 
Company : XXXX  XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX The following account with an alleged debt of {$450.00} along with XXXX late transactions reported is inaccurate and not in XXXX XXXX XXXX. Please provide the original signed consumer agreement, where I gave your agency written authorization or permissible purpose to furnish this information on my report as per 15USC 1681 ( B ) as well as, all three of my privacy disclosures, ( a-c ) as per 15USC 6802 ( B ) that the person allegedly disclosed to me before contacting you with my nonpublic personal information to furnish the collection account, along with each original statement the person sent to me 21 days before each late transaction was furnished on my report as per 15USC 1666 ( b ) which also violates 15 USC 1681 ( 2 ) ( a ) ( i ). I also need a copy of the original agreement between the person who reported this account and myself that proves my responsibility to this debt. If you cant provide these documents, this excluded data furnished is a result of IDENTITY THEFT and must be removed! 
Company : XXXX XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX The following collection account with an alleged debt of {$440.00} along with late transactions reported is inaccurate and not owed to the person. Please provide the original signed consumer agreement, where I gave your agency written authorization or permissible purpose to furnish this information on my report as per 15USC 1681 ( B ) as well as, all three of my privacy disclosures, ( a-c ) as per 15USC 6802 ( B ) that the person allegedly disclosed to me before contacting you with my nonpublic personal information to furnish the collection account, along with each original statement the person sent to me 21 days before each late transaction was furnished on my report as per 15USC 1666 ( b ) which also violates 15 USC 1681 ( 2 ) ( a ) ( i ). I also need a copy of the original agreement between the person who reported this account and myself that proves my responsibility to this debt. If you cant provide these documents requested, this excluded data furnished is a result of IDENTITY THEFT and must be removed immediately. 
The original creditor of this alleged debt XXXX XXXX XXXX XXXX removed the original account from all agencies contacted months ago, before attempting to sell this debt to the third party debt collector XXXX XXXX XXXX that is not owed to either party because the original creditor could not prove my legal responsibility to this debt due to the data being a direct result of identity theft and this same debt has been reinserted as an inaccurate collections account which violates XXXX ( B ). 
This collection must be removed, it is not in XXXX XXXX COMPLIANCE and a result of Identity Theft. 
Company : XXXX XXXX XXXX Date Added : XX/XX/XXXX Account Number : ending in XXXX The following installment account with an alleged balance of {$210.00} is not in XXXX XXXX Compliance and has XXXX late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, 21 days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions furnished on my report? Please remove this inaccurate data. 
Company Listed : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Opened Listed : XX/XX/XXXX The following installment account with an alleged balance of {$130.00} is not in XXXX XXXX XXXX  and has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, 21 days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions furnished on my report? Please remove this inaccurate data. 
Company : XXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX The following installment account with an alleged balance of {$520.00} is not in XXXX XXXX XXXX and has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, 21 days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions furnished on my report? Please remove this inaccurate data. 
Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX The following installment account with an alleged balance of {$46.00} is not in XXXX XXXX XXXX and has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, 21 days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions furnished on my report? Please remove this inaccurate data.

This account is a direct result of Identity Theft pursuant to 18USC1028. 
Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX The following installment account that is paid off has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing disclosures from 15USC 1637 ( B ). Please provide me with the original statement sent from the person making the report, 21 days before each late transaction was furnished. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions? Remove this data. 
Company : XXXX XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX According to 15 USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency MAY furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions or permissible purpose to furnish data on my consumer report?

If so, provide the original consumer agreement with my signature that gave written authorization.

According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement from the person or company of the accounts listed above, sent 21 days before each late transaction was reported to you. 15USC 1666 ( b ) CLEARLY STATES - ( a ) TIME TO MAKE PAYMENTS- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT clearly states how transactions and experiences are excluded from my report - EXCLUSIONS except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681 ( section 3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Transactional history or experience is EXCLUDED from my consumer report, whether it was late or not.

DELETE THE INACCURATE INFORMATION LISTED ABOVE THAT WAS FURNISHED ; YOURE IN VIOLATION!

According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization the consumer gave them to contact you with nonpublic personal information - ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

ADVERSE ACTION HAS BEEN TAKEN AND THESE ACCOUNTS ON MY REPORT ARE INACCURATE!

According to 15USC 1681a ( 5 ) ; ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of information is found to be inaccurate, incomplete or can not be verified the Consumer Reporting Agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please provide me with all three of my privacy disclosures, ( a-c ) as per 15USC 6802 ( B ) that each person or company allegedly disclosed to me before contacting you with my nonpublic personal information to furnish the following accounts listed above pursuant to this section ; OPT OUT ( 1 ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Failure to respond satisfactorily with deletion of the accounts referenced above and send a free copy of my report after the changes have been made will result in legal action against your company for : 1 ) DEFAMATION OF CHARACTER 2 ) NEGLIGENT ENABLEMENT OF IDENTITY THEFT FRAUD 3 ) FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g violations 4 ) FAIR CREDIT REPORTING ACT 15 USC 1681 violations for willful noncompliance- 616. CIVIL LIABILITY for willful noncompliance as per 15 USC 1681 ( n )

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