Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4559401

Complaint Overview

Complaint ID: 4559401

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Mississippi

ZIP Code: 391XX

Date Received: 2021-07-20T12:00:00-05:00

Date Sent to Company: 2021-07-20T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g (Sec. 809) that your claim is disputed and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.6. Please provide a complete account history, including any charges added for collection activity. You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g (Sec. 809) that your claim is disputed and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.6. Please provide a complete account history, including any charges added for collection activity. You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX-XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed Paid or paying as agreed Paid account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance $XXXX $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS Covington Credit CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed Account renewed or refinanced Worst Delinquency 90 days past due 90 days delinquent Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX Fka XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Account paid satisfactorily Worst Delinquency No update received Balance Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated 03/2021 Payment Status Pays account as agreed Worst Delinquency None Reported Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX Payment Status Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported No update received Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX/XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Account paid satisfactorily Worst Delinquency No update received Balance Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX Payment Status Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported No update received Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed Paid or paying as agreed Paid account/was 30 days past due date Worst Delinquency None Reported None Reported 30 days delinquent Balance $XXXX $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX/XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Account renewed or refinanced Worst Delinquency No update received Balance Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed Account paid satisfactorily Worst Delinquency None Reported No update received Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX Payment Status Not more than three payments past due Paid account/was delinquent 60 days past due date Worst Delinquency 60 days past due 60 days delinquent Balance $XXXX Credit Limit $XXXX $XXXX 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Paid account/XXXX balance Worst Delinquency No update received Balance Credit Limit $XXXX 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance $XXXX Credit Limit $XXXX 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX/XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance Credit Limit $XXXX 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX Payment Status Paid or paying as agreed Paid account/XXXX balance Worst Delinquency None Reported No update received Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Pays account as agreed Worst Delinquency None Reported Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Account paid satisfactorily Worst Delinquency No update received Balance Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS Bankplus CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Pays account as agreed Worst Delinquency None Reported Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY MORE DETAILS XXXX XXXX XXXX XXXX/ XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Not more than two payments past due 30 days past due Account 30 days past due date Worst Delinquency None Reported None Reported 30 days delinquent Balance $XXXX $XXXX $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed Paid or paying as agreed Paid account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance $XXXX $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed Account renewed or refinanced Worst Delinquency 90 days past due 90 days delinquent Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX/XXXX XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed 30 days past due Account was delinquent 60 days past due date/now 30 days past due date Worst Delinquency 60 days past due 60 days past due 60 days delinquent Balance $XXXX $XXXX $XXXX Credit Limit $XXXX $XXXX $XXXX Credit Utilization 106% 109% 109% 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Paid or paying as agreed Worst Delinquency None Reported Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance $XXXX Credit Limit $XXXX Credit Utilization 105% 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Current account/was delinquent 90 days past due date Worst Delinquency 90 days delinquent Balance $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX - XXXX XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed Paid or paying as agreed Current account/was delinquent 90 days past due date Worst Delinquency 90 days past due 90 days past due 90 days delinquent Balance $XXXX $XXXX $XXXX Credit Limit $XXXX $XXXX $XXXX 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed Paid or paying as agreed Current account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance $XXXX $XXXX $XXXX Credit Limit $XXXX $XXXX $XXXX Credit Utilization 83% 83% 83% 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Pays account as agreed Paid or paying as agreed Paid account/was 30 days past due date Worst Delinquency None Reported None Reported 30 days delinquent Balance $XXXX $XXXX Credit Limit 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX XX/XX/XXXX Payment Status Not more than three payments past due Paid account/was delinquent 60 days past due date Worst Delinquency 60 days past due 60 days delinquent Balance $XXXX Credit Limit $XXXX $200 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS XXXX XXXX/XXXX CLOSED XXXX TRANSUNION XXXX Last Updated XX/XX/XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance Credit Limit $XXXX 2-YEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS

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