Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have diligently corresponded with XXXX, XXXXXXXX XXXX TransUnion, highlighting numerous inaccuracies in my consumer credit profile, including erroneous late payment reports. TransUnion XXXX XXXXXXXX is reporting inaccurate payment history to my consumer report. XXXX is not reporting the same information that Transition and XXXX is reporting inaccurate concerning a XXXX XXXX XXXX XXXX. This account is paid off in full and no late payments should be reporting to my consumer credit profile concerning this account. Below I have attached documents as proof. 

Under the Fair Credit Reporting Act ( FCRA ), explicitly outlined in 15 USC 1681, consumer reporting agencies are mandated to handle their responsibilities with fairness, impartiality, and profound respect for consumer privacy. As a consumer, I am inherently entitled to safeguard my private information, a right supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect nonpublic personal information. 

The entities providing information to credit agencies, known as " Furnishers, '' fall under this definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I assert that XXXX, XXXXXXXX XXXX  TransUnion, as the Furnishers of information to credit agencies, have no right or written consent from me to furnish my information. All forms of consent, be it verbal, non-verbal, written, or implied, are hereby revoked. 

Moreover, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to THIRD parties unless consumers are given an explanation of how to exercise their nondisclosure option. The failure to inform me of this right by the Furnishers is a notable omission. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law.

Furthermore, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), agencies are prohibited from furnishing inaccurate consumer information knowingly. XXXX, XXXXXXXX XXXX TransUnion should maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. Reporting transaction history without permissible purpose is illegal per this code.

Lastly, 15 USC 1681 ( c ) states that no adverse items, besides the conviction of CRIMES, should be on the consumer credit profile, and any item that is a derogatory mark is not allowed into the consumer reports. This is a violation, and anything added to the consumer report without written consent could be considered identity theft according to 12 CFR 1022.3.

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