Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing this letter in accordance to the fair credit reporting act 15 USC 1681 section 602.

15 USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercised a gray responsibilities with fairness impartiality and respect for the consumers right to privacy.

There is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is back by 15 USC 6801. 

Trans Union, XXXX and XXXX are consumer reporting agencies and I am the consumer and I have been willfully violated by the noncompliance of the law. 

15 USC 6801 states it is the policy of the Congress, that each financial institution as an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security and confidentialities of those customers nonpublic personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in accurate information The entities listed below are furnishings of information to credit agencies. 
2nd income.. fraud/ false information Distribution solutions for XXXX XXXX XXXX XXXX, NJ XXXX. Inaccurate information. 
XXXX. false information XXXXXXXX XXXX XXXX. false information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Na hard inquiry, XXXX JPMCB card. Hard inquiry, XXXX to XXXX. 
XXXX hard inquiry, XXXX XXXX, XXXX Global lending services.. hard inquiry, XXXX, XXXX These are financial institutions by definition under that title, XXXX XXXX XXXX section XXXX section XXXX states that in general subject to subsection see any consumer reporting agency XXXX furniture, consumer report under the following circumstances, and no other in accordance with written instructions of the consumer, to whom it relates the financial institution and the consumer reporting agencies, trans union XXXX and XXXX XXXX not have my consent to furnish this information, and they surely do not have my written consent. 
Any and all consent to Trans Union, XXXX, or XXXX whether by verbal, nonverbal, written, implied, or otherwise is revoked. According to the FCRA XXXX XXXX XXXX XXXX ( b ) ( c ) states a financial institution, XXXX not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option trans Union XXXX XXXX, XXXX XXXX never informed me of my right to exercise my non-disclosure option. 
also backing that law XXXX XXXX XXXX ( a ) ( XXXX ) states I except as authorized under subsection be no consumer reporting agency XXXX make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, with antedates the report by more than XXXX years these accounts are adverse items. They are reporting again, without my permission, which is against the law. 
XXXX XXXX XXXX XXXX ( A ) ( XXXX ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows that has reasonable cause to believe that the information is inaccurate. With all the misspellings and inaccuracies is present in the credit reports from those credit reporting agencies, they will fully know that there is incorrect and in accurate information. 

Are XXXX XXXX XXXX says and I quote every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title, and to limit the furnishing of consumer reports to the purposes listed on the section XXXX be of this title Trans Union, XXXX, and XXXX XXXX not maintaining reasonable procedures. 



- Trans Union XXXX XXXX XXXX NOT ME XXXX XXXX. NOT ME XXXX XXXX XXXX NOT ME XXXX BOILING NOT ME XXXX XXXX XXXX XXXX, XXXX NEW JERSEY, XXXX XXXX. INACCURATE INFORMATION. 
XXXX XXXX XXXX XXXX APARTMENT TO XXXX, NJ XXXX. IN ACCURATE INFORMATION. 
XXXX XXXX XXXX XXXX APARTMENT TO XXXX, NJ XXXX. INACCURATE INFORMATION. 
XXXX XXXX AVE., XXXX XXXX, NJ XXXX. INACCURATE INFORMATION. 
XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. INACCURATE INFORMATION. 
XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. INACCURATE INFORMATION. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. INACCURATE INFORMATION. 
XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. INACCURATE INFORMATION. 
XXXX XXXX XXXX XXXX, UNIT XXXX XXXX NEW JERSEY, XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, UNIT XXXX XXXX, NJ XXXX. INACCURATE INFORMATION. 
XXXX XXXX XXXX. APARTMENT TO XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX. APARTMENT XXXX XXXX XXXX, NJ XXXX. INACCURATE INFORMATION. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX, XXXX XXXX XXXX F XXXX,, NJ XXXX. IN ACCURATE INFORMATION. 

XXXX. Inaccurate information. 
XXXX. Inaccurate information XXXX. Inaccurate information. 
XXXX inaccurate information XXXX inaccurate information XXXX inaccurate information XXXX inaccurate information XXXX. Inaccurate information. 
XXXX inaccurate information XXXX inaccurate information Bank XXXX XXXX account XXXX XXXX Department of XXXX account number XXXX Inquiries Capital XXXX XXXX acceptance XXXX XXXX XXXX XXXX XXXX via XXXX Promotional inquiries Capital XXXX T-Mobile XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX XXXX XXXX Account review inquiries State, free disclosure Fact act free XXXX XXXX XXXX XXXX Trans Union XXXX in XXXX XXXX XXXX TransUnion interact TransUnion XXXX XXXX XXXX XXXX via TransUnion XXXX XXXX TransUnion, consumer I XXXX XXXX XXXX XXXX Verifacts XXXX Search XXXX XXXX XXXX XXXX bank net credit FTLAYMA LL DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NerdWallet compare XXXX. 
On the barrelhead XXXX. 
Upstart, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX. 
ON THE XXXX XXXX. 


XXXX XXXX XXXX XXXX NOT ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX for NJ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX apartment XXXX XXXX XXXX, NJ XXXX XXXX XXXX Ave., XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX states a consumer XXXX exercise the right to opt out at any time. I am opting out of your reporting services. 

Opt out of inquiries XXXX XXXX XXXX XXXX XXXX XXXX Privacy act of XXXX The remedies for these violations will be : immediate deletion of the accounts and XXXX per violation of the FCRA per month recorded. 

These reports have violated. My American dream have kept me from financial freedom. They have caused me hardship and undue stress, not to mention the anguish of rejection for XXXX, I wish to remove any old or duplicate addresses from my report. They are all non-mailable addresses remove any old or duplicate phone numbers. They are all noncontactable numbers, remove any variations of my name. That are incorrect they maybe even identity fraud. I have no middle name. At this time I wish to opt out of the following agencies, core logic, XXXX, XXXX otherwise known as ( advanced risk solutions ), sagestream. XXXX XXXX, as well as early warning services. 

PLEASE UPDATE ME AS SOON AS POSSIBLE. IF I DO NOT HEAR FROM YOU WITHIN XXXX WEEKS, I WILL FOLLOW UP WITH THE PROPER AUTHORITY.

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