Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent the following companies registered securities to pay for my debt and they said they only accept lawful money. The registered securities I sent are considered lawful due to the endorsement 31 CFR 328.6 ( Title 31 chapter 2 part 328 section 328.6 ) and also from their Prospectus, XXXX XXXX  and XXXX XXXX forms. 
Each company is in breach of their fiduciary duties via the Federal Reserve Act Section 29, 12 CFR 215.11 UCC 3-603 UCC 3-604 UCC 3-419 UCC 3-104 UCC 3-608 18 USC 8 Account name XXXX XXXX  XXXX Account number XXXX XXXX. 
Recent balance {$79.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open/Never late. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Type Secured Card Terms XXXX  Months XXXX XXXX Account number XXXX .... 
Recent balance {$190.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open/Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Type Secured Card Terms Not reported Credit limit or original amount {$200.00} High balance $ XXXX  Monthly payment {$20.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$550.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open/Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX No phone number available Address identification number XXXX Type Secured Loan Terms XXXX  Months Credit limit or original amount {$720.00} High balance Not reported Monthly payment {$35.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX 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. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
( 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. 
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least 1,000 $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. 

Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. 
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information

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