Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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

Complaint:
Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, XXXX XXXX. 

o Whom it may Concern : I Pulled My credit report and I noticed That I am still a victim of ID theft and am continuing to suffer from inaccurate Information as a result of fraud : My privacy rights are being violated. I would like a Full file disclosurereport. 
PLEASE BE ADVISED THAT IN accordance with fair Credit Reporting Act, all of the ACCOUNTS LISTED BELOW, has violated my federally protected consumer rights to privacy and confidentiality under 15. U.S.C 1681. THE MANY VARIOUS ADDRESSES, DIFFERENT SPELLINGS OF MY LEGAL NAME, EMPLOYMNNT HISTORY IS WRONG AND IN VIOLATION OF 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. IN 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT THE WRITTEN INSTRUCTIONS TO DO SO FROM THE CONSUMER.

15 U.S.C. 1681c. ( a ) ( 5 ) SECTION STATES : No consumer reporting agency may 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 which antidates the report by more than seven years PLEASE FIND THIS AS LEGAL NOTICE, MY RIGHTS ARE BEING DENIED AND VIOLATED. THIS IS WRITTEN NOTICE TO PROVIDE THE CORRECT INFO THAT I, THE CONSUMER, PROVIDED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND All other Personal info listed on my report need to be REMOVED! except for the personal info, That I, The Consumer/Victim have provided and gave such authorization to list. Per 15 USC ; 1681 PRIVACY LAWS : All 3 major reports will show a fraud alert I had placed years ago.

ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX is in violation of said rights : As well as these collections companys Potentially Negative XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$4800.00} StatusAccount charged off. {$14000.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date XXXX Balance {$1700.00} StatusAccount charged off. {$770.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$760.00} StatusAccount charged off. {$650.00} written off. {$760.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date XXXX Balance- StatusPaid in settlement. {$2900.00} written off. 
XXXX XXXX XXXX  Potentially negative Date XXXX Balance {$93.00} StatusCollection account. {$93.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX XXXX {$1800.00} StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX XXXX {$650.00} StatusCollection account. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX XXXX {$980.00} StatusCollection account. {$980.00} past due as of XX/XX/XXXX. 
SOURCE RECEIVABLES MNGMN Potentially negative a person has taken adverse action against me because of information in my credit report ; I was denied an employment offer I am the victim of identity theft and placed a fraud alert in my file ; My File contains inaccurate information as a result of fraud ; you are on public assistance ; Food Stamps SNAP. 
you are unemployed but expect to apply for employment within 60 days. 

All OF THESE ( SAME DATE ) INQUIRIES ARE ALL FALSE AND FRAUD : Remove them!!! 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX In-accurate Account Info Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection Responsibility Individual Date XXXX StatusCollection account. {$150.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX Balance {$150.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$150.00} Highest Balance {$0.00} Terms 1 Months On Record UntiXXXX XXXX Account Info Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeAuto Loan Responsibility Individual Date XXXX StatusAccount charged off. {$14000.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX Balance {$4800.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 60 Months On Record UntilXXXX XXXX ccount NameXXXX  Account XXXX Account TypeUnsecured Responsibility Individual Date XXXX StatusPaid in settlement. {$2900.00} written off. 
Status UpdatedFeb XXXX Balance - Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$3100.00} Highest Balance {$0.00} Terms 36 Months -- -- -- -- XXXX Months on recored : XX/XX/XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection Responsibility Individual Date XXXX XXXX account. {$93.00} past due as of XX/XX/XXXX. 
Status UpdatedDec XXXX Balance {$93.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$93.00} Highest Balance {$0.00} Terms 1 Months On Record UntilJul XXXX XXXX is XXXX violation of my rights as a consumer : Collection AgencyXXXX XXXXXXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Original Amount Owed {$150.00} Amount {$150.00} Status DateXXXX XXXX, XXXX StatusUNPAID Comments Balance DateXXXX XXXX, XXXX Account Designator CodeXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor ClassificationXXXX Date of First XXXX XXXX, XXXX XXXX : is in violation of said rights XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Account XXXX Account TypeSecured Loan Responsibility Individual Date XXXX StatusAccount charged off. {$650.00} written off. {$760.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeUnsecured Responsibility Individual Date XXXX StatusAccount charged off. {$770.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
Status UpdatedNov XXXX XXXX Account XXXX Account TypeUnsecured Responsibility Individual Date XXXX StatusPaid in settlement. {$2900.00} written off. 
Status UpdatedFeb XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account XXXX Loan Responsibility Individual Date Opened04/26/2018 StatusAccount charged off. {$14000.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXX XXXX Account XXXX Account TypeDebt Buyer Responsibility Individual Date XXXX XXXX account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX

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