Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
RE : TRANSUNION FCRA VIOLATIONS THIS IS NOT A REINVESTIGATION REQUEST THIS IS A COMPLAINT AND DEMANDS DELETION According to Congress, FCRA 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

( 3 ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 


( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

FCRA gives me the RIGHT TO PRIVACY.

I did not give TRANSUNION written consent to furnish any of my information. I attached the law below ; 15 USC 1681b Permissible purpose- ( a ) In general any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I XXXX XXXX XXXX do not HAVE or EVER HAD ANY WRITTEN CONTRACT OF ACCOUNTS WITH XXXX XXXX XXXX. 


I XXXX XXXX did not give XXXX XXXX XXXX any written permission to report anything on my consumer report. 


NO consent is Identify Theft according to 18 U.S. Code 1028A - Aggravated identity theft a ) Offenses. ( 1 ) In general. 

Whoever, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Also, The law says TRANSUNION cant just furnish my consumer report to ANY and EVERYONE that requests it. 

They shall verify the identity of a new prospective user and the uses certified by such prospective user PRIOR to furnishing my consumer report. 

YOU didnt do that. 


15 USC 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 certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 


TRANSUNION provide me the Verification of the Certification of the permissible purpose document that you shouldve certified BEFORE selling my report, If you can not provide that info, you gave someone my consumer report without a permissible purpose aiding identity theft, 1. You are supposed to have procedures in place to protect my info 2. you are supposed to certify the info 3. You are supposed to certify the written permission 4. You are supposed to certify that the info is being used for this purposes and this purpose only 5. You suppose to certify that the person pulling my consumer report has the permissible purpose to pull it.

6. You suppose to certify that the info that is being pulled will be used for NO OTHER purposes than the purpose in which the report was certified for. 


In addition to, the failure of TRANSUNION to CERTIFY and VERIFY the accuracy and completeness of information being furnished BEFORE furnishing it to my consumer report is a VIOLATION of Subchapter 15 USC 1681e.

1006.18 False, deceptive, or misleading representations or means.

( 1 ) A debt collector must not falsely represent or imply that : ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( B ) Become subject to any practice prohibited by this part. 


XXXX XXXXXXXX XXXX. willingly and knowingly used deception means in furnishing these accounts. 

FCRA requires ALL reported information reports the same. They didnt do that. 


On my consumer report, XXXX ACCOUNTS does not list accounts Last Payment date Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX On my consumer report, TRANSUNION ACCOUNTS reporting does not list, First date of Delinquency, Last Payment date, account status, Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX This is clearly a violation of the FCRA/ FDCPA. 

Such reporting causes me to face significant barriers to accessing the capital I need to start my business, including accessing Small Business Administration SBA programs. 


TRANSUNION PROVIDE ( ME ), the consumer, MY WRITTEN CONSENT to furnish my consumer report or DELETE these bogus accounts immediately. 


cc : Florida State Attorney cc : XXXX XXXX XXXX XXXX XXXX XXXX cc : Congress

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