Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6372897

Complaint Overview

Complaint ID: 6372897

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: Florida

ZIP Code: 34638

Date Received: 2022-12-28T12:00:00-05:00

Date Sent to Company: 2022-12-28T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX appeared on my credit report it should not be on there via : 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681s-2 ( 8 ) ( E ) Duty of person after receiving notice of disputeAfter receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( i ) conduct an investigation with respect to the disputed information ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( ii ) review all relevant information provided by the consumer with the notice ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 15 U.S. Code 1681c ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : If this is a chargeoff, according to the IRS publication a charge off is income chargeoff is a certifcate of imdemptment. I did not receive a XX/XX/XXXX( to cancel this debt ) and income is not reported on a credit report!

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