Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TRANSUNION CONSUMER DISPUTE POTENTIAL LAWSUIT PENDING Securities Acts, FDCPA, Privacy Act, FCRA, FRA, CCPA AWAITING XXXX FORENSIC SECURITIZATION AUDIT RECEIPT CONSUMER REQUEST THAT ALL THE FOLLOWINGS BE PROVIDED TO CONSUMER DIRECTLY FROM CREDITOR. 

-PROOF OF SOURCE OF CREDIT EXTENDED TO VALIDATE ESTABLISH ACCOUNT -SIGNED APPLICATION, PROMISSORY NOTE, AGREEMENT FOR CONSUMER REPORTING -DEBIT AND CREDIT ACCOUNT LEDGER -GAAP ACCOUNTING -CUSIP NUMBER FOR ALL ACCOUNT SECURITIES, NOTE, BONDS RELATING TO ACCOUNT -1099C and 1099A FOR ALL ACCOUNTS LISTED IN THIS COMPLAINT TRANSUNION DOES NOT HAVE MY CONSENT TO OBTAIN ANY OF THE FOREGOING INFORMATION. 

METRO 2 AND E-OSCAR WILL NOT BE ACCEPTED AS VALIDITY. MUST PROVIDE TITLE, TIME, ADDRESS, SIGNATURE AND IDENTITY OF ACTUAL HUMAN THAT CAN AND WILL BE WILLING TO TESTIFY UNDER OATH IN COURT OF LAW. 

Validation must come from the original creditor. - XXXX Letter ( Federal Trade Commission ) ; etc. 

The consumer has put TransUnion on notice. Consumer want a full audit and accounting done on consumer private information shared by TransUnion. Consumer will file form 211 with the Treasury. Consumer will also file complaint with SEC, FTC, IRS and OCC within 5 days. CONSUMER WILL PURSUE REMEDY AT THAT POINT. 

TransUnion continue to intentionally violate consumer rights and as result consumer is being discriminated against under the Equal Credit Opportunity Act. 

TransUnion has assumed the role of collecting data and selling of private information and said company has a responsibility to protect consumer information. Several accounts are listed in error and consumer request immediate removal. Consumer request complete file TransUnion has on consumer. These accounts below are charged-off accounts requiring 1099A or 1099C for proper tax filings. Per IRS publication these type of accounts are considered income and income is not to be reported to consumer report. These accounts are in violation and improperly furnished as bad unpaid debt when theres no evidence of such. 

The following accounts must be deleted during investigation. Consumer Demand Cease and Desists of the following accounts being reported during dispute process. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. 
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under 15 USC 1681athe term consumer report does not include anyreport containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT TransUnion are intentionally effecting consumer ability to properly access credit extension to the consumer for PERSONAL, FAMILY and HOUSEHOLD PURPOSES. 

15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

15 U.S. Code 6801 - Protection of nonpublic personal information- Law states It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. DID THE TRANSUNION VERIFY THIS? 
( b ) Opt out ( 1 ) In generalfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunlesssuchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

TRANSUNION HAS ASSUMED CONSUMER WAS MADE AWARE AND ASSUMED CONSUMER WAIVED OPTION TO OPT-OUT WITH THESE ACCOUNTS LISTED AS CHARGED-OFF OR DELINQUENT. 

16 CFR 313.3 ( a ) Affiliate means any company that controls, is controlled by, or is under common control with another company. 

15 U.S. Code 1681b - Permissible purposes of consumer reports-anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18. 
In accordance with the written instructions of theconsumerto whom it relates. 
313.1 Purpose and scope- Requires afinancial institutionin specified circumstances to provide notice tocustomersabout its privacy policies and practices ; Describes the conditions under which afinancial institutionmay disclosenonpublic personal informationabout consumers to nonaffiliated third parties ; 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumer Under California Consumer Privacy Act- Consumer have the right to have TransUnion penalized {$2500.00} or {$7500.00} per violation. 

TransUnion is preventing consumer from the ability to having equal advantage of right to receive consumer own extension of credit under the Equal Credit Opportunity Act by continually to violate consumer rights by collecting and displaying non-factual personal information against consumer knowledge for TransUnion own deceitful and selfish gains. THIS HAS RESULTED AN ADVERSE EFFECT ON CONSUMER. 

IN ADDITION TO THE ABOVE REQUESTS/DEMAND CONSUMER REQUEST ITEMS BELOW -CONSUMER REQUEST OPTOUT OF ALL SHARING AND SELLING OF CONSUMER PERSONAL INFORMATION TO NON AFFILIATES OR 3RD PARTIES. 

-CONSUMER REQUEST COMPLETE FILE ON CONSUMER VIA EMAIL AND MAIL -CONSUMER ALSO REQUEST COPY OF E-OSCAR REPORT -CONSUMER REQUEST ALL DOCUMENTARY EVIDENCE OF ACCOUNTING OF CONSUMER INFORMATION -CONSUMER REQUEST IDENTITY, SOURCES, REASONS, AND TRANSACTIONS REGARDING INFORMATION ON CONSUMER REPORT AND ITS VALIDITY.

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