Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern, I have numerous amount of things reporting to my credit that I personally did not allow. Most of these companies that reported took advantage of me because everything I ever did I definitely was told NOTHING would ever be reported to my credit and now my credit is loaded with bad things. I did my research and found out those companies were wrong by LAW and something needs to be done ASAP. I have contacted the companies and they are not trying to do anything about so I'm contacting you guys and I will attempt to go further if no outcome is made. BELOW ARE THE ATTACHED ACCOUNTS AND INQUIRIES. I WANT THEM REMOVED In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : Account name : XXXX XXXX XXXXXXXX XXXX  ( Closed Account ) # XXXX XXXX, Account name : XXXXXXXX XXXX ( Closed Account ) # XXXX XXXX, Account name : XXXX XXXX XXXX ( Charged Off ) # XXXX # #, Account name : XXXX XXXX ( Closed ) # XXXX XXXX, HARD INQUIRIES : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXX INQUIRIES : ACCT : XX/XX/XXXXXXXX XXXX XXXX XXXX Direct to Consumer Report ACCT : XXXX XXXX XXXX XXXX XXXX XXXX Direct to Consumer Report ACCT : XX/XX/XXXXXXXX XXXX XXXX XXXX  Direct to Consumer Report ACCT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Automated Consumer Interview XXXX ACCT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System  ACCT : XX/XX/XXXX XXXXXXXX XXXX XXXX Automated Consumer Interview System ACCT : XX/XX/XXXX XXXXXXXX XXXX XXXX Automated Consumer Interview System ACCT : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System ACCT : XX/XX/XXXX XXXX XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) ACCT : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) ACCT : XX/XX/XXXXXXXX XXXX XXXX, XXXX Credit Report ACCT : XX/XX/XXXX XXXXXXXX XXXX  Report ACCT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prequalification for Credit Card ACCT : XX/XX/XXXX XXXX Direct to Consumer Report ACCT : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Automated Consumer Interview System ACCT : XX/XX/XXXX XXXX - XXXXXXXX XXXX Automated Consumer Interview System ACCT : XX/XX/XXXXXXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Automated Consumer Interview System ACCT : XXXX XXXX XXXX XXXX XXXX XXXX  Automated Consumer Interview System ACCT : XX/XX/XXXXXXXX XXXX XXXX XXXX Automated Consumer Interview System ACCT : XXXX XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System ACCT : XX/XX/XXXX XXXXXXXX XXXX XXXX Automated Consumer Interview System ACCT : XX/XX/XXXX XXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXX XXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXX XXXX XXXX XXXX Credit Report ACCT : XX/XX/XXXX XXXX XXXX XXXX Credit Report ACCT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Credit Report ACCT XXXX XX/XX/XXXX XXXX XXXX Direct to Consumer Report ALL ACCOUNTS AND INQUIRIES HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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