Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I finally got access to my Transunion report after 3 years to find many inaccurate information and accts on my consumer report. This is why I have been getting denied my right to credit by many companies. 

According to File # XXXX Dated XXXX form Transunion. 
My name spelled wrong twice. 
Transunion had it : XXXX XXXX  ( wrong ) Its " XXXX XXXX XXXX Transunion has : XXXX XXXX ( wrong ) when its XXXX XXXX Transunion has XXXX Non-mailable addresses on my consumer report 6 non-contactable numbers 5 employments 7 inaccurate accounts reporting Twice Transunion let XXXX XXXX look at my report without my permission ( 2 promotional inquiries ) Per the FCRA as a Federally protected consumer. I am now opting out of any and all authorization I the consumer may have given Transunion written, un-written, verbal and non-verbal Per 15 USC 6802. This is a violation under the Privacy Act of 1974.

I have rights under 15 USC 6801 Protection of non-public personal information Under 16 CFR part 313- Privacy of Consumer Financial Information I never gave Transunion permission to report to my consumer report. 
Can they produce a wet signature from me granting them permission? 

16 CFR 313.7 forms and opt-out notices Nor have they ever contacted me regarding informing me that Transunion was going to be reporting on my behalf. 

Transunion needs to update my info immediately XXXX. My First name XXXX XXXX Middle name is XXXX XXXX XXXX. Address : XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX. Only! PLEASE REMOVE ALL OTHER ADDRESSES ( XXXX ) per The Privacy Act of 1974 XXXX. My Phone XXXX Only REMOVE ALL OTHER NUMBERS DELETE these 6 old non contactable numbers : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX. XXXX only employment that should be reporting XXXX. Charge Offs Consumer Portfolio Services must be UP DATED as " Paid As Agreed '' Grain Technology must be UP DATED as " Paid as Agreed " XXXX. Never signed a contract with XXXX  XXXX  and this is a violation of Privacy Rights Act of 1974.! XXXX CFR part 313 Privacy of Consumer Financial Information. 15 USC 6801 Protection of Non public personal information! 5 USC 6802 Obligations with respect to disclosure of personal information. 
This is a third party debt collector must be removed off my consumer report. I never gave consent to report my Non public personal information XXXX. Accounts that ARE mine on my consumer report are as follows : XXXX XXXX of {$3500.00} UPDATE to Paid in full XXXX XXXX of {$4900.00} UPDATE to Paid in full XXXX XXXX XXXX XXXX. These 6 Accounts are NOT my Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The XXXX XXXX XXXXXXXX Employers : PLEASE DELETE My Non-personal Information per The Privacy Act of 1974 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ALL { XXXX } NON-MAILABLE ADDRESSES Only Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This information is on Transunion file XXXX XXXX Date XXXX XXXX XXXX : XXXX, Beneficiary

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