Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUNION has not practiced accurate accounting, which they are supposed to do legally by the Fair Credit Reporting Act ( FCRA ). They have had 4 days according to 15 U.S. Code 1681c-2 to remove my information. The Identity Fraud has been reported to the FTC, because I did not give consent and/or authorization as a consumer. 

Furthermore, TRANSUNION is violating my privacy rights as a consumer according to 15 U.S Code 1681 ( a ) as far as accuracy and fairness of credit reporting and 15 U.S. Code 1681 ( b ) in not adopting reasonable procedures in accurately reporting my credit as a consumer.

Reporting transaction history is illegal and another violation of my rights by TRANSUNION according to 15 U.S Code 1681a ( d ) ( 2 ) ( A ) ( i ). 

TRANSUNION has also violated my rights as a consumer according to 15 U.S Code 1681b ( a ) ( 2 ) as there has been given no written consent by me. This is also in violation of the Fair Credit Reporting Act. 

My rights, stated in 15 U.S Code 1681c ( a ) ( 5 ), which says no consumer reporting agency may make any consumer report containing any adverse information besides the conviction of crimes, are being violated as well by TRANSUNION. 

According to 12 CFR 1022.3 ( h ) this is identity theft, because I did not give my consent to TRANSUNION, which is a crime and violation against another one of my rights. 

TRANSUNION has also violated the rights given to me as a consumer in 15 U.S Code 1681e ( a ) & 1681e ( b ) for allowing DEPT OF EDUXXXX XXXX XXXX XXXX to furnish this information on my credit report in violation of FERPA ( Family Educational Rights and Privacy Act ) 20 USC 1232g ( b ), and by not maintaining reasonable procedures to assure maximum possible accuracy of my information as a consumer. 

5 U.S. Code 552a ( 4 ) states that it is illegal for TRANSUNION to have any item, collection or grouping of information about me as a consumer, including my education and financial transactions while at the same time containing my name or other identifying numbers. This is in violation of my rights. 

5 U.S. Code 552b states that TRANSUNION violated my rights in disclosing this information without my written consent. 

TRANSUNION has also violated my rights in regards to 5 U.S. Code 552b ( 12 ), as they have not obtained consent from me to disclose my information to any other consumer reporting agency in accordance with section 3711 ( f ) ( 1 ) ( E ) ( iii ) of title 31. 

15 U.S. Code 1681s-2 says that TRANSUNION must stop reporting the information from Dept Of EducationXXXX as they have been notified that this information is in violation of my consumer rights. 

Consumer is requesting TRANSUNION to provide the documentation that was used to determine that inquiry was authorized by the consumer. TRANSUNION has 15 days to provide me with the name of the person spoken to, the documentation used and the signed application with consumer wet signature. 

Consumer is not asking for an e-oscar report. 

If TRANSUNION does not have the documents to show that these were authorized it must be removed immediately. They are liable under the SEC to follow the law. TRANSUNION commission file number XXXX TransUnion XXXX XXXX XXXX, XXXX, Illinois XXXX XXXX OF XXXX XXXX COMMUNICATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX 

Due to the violation of SEC Laws I will be filing form XXXX Treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data without providing consumer with a copy of my Consumer File. Consumer is not speaking of a Consumer Report

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