Consumer complaint received 2023-02-09
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:
My name is and have always been XXXX XXXX ( see attached documentation ) According to 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 XXXX XXXX XXXX This is not my name nor has it ever been my name ( Attached Driver License ) XXXX XXXX XXXX  XXXX XXXX, OH XXXX This is a fraudulent address, this has never been my address ( see attached utility bill ) XXXX XXXX Fraudulent Collection Account - does not belong to me XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Fraudulent Bankruptcy ( see attached documentation from Bankruptcy Court ) Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX  XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Automotive ( 770 ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, 2021 XXXX  ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2021 Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX XXXX 2021 Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2021 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C 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 forms of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by 15 USC 1681a2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

Transunion has refused over and over, in all my disputes to show me the method of verification for the above accounts. Under federal law you had 30 days to provide me the method of verification and since you did not, you must remove the accounts.

I requested information for the method of verification : 1. Who did you speak to 2. When did you speak to them If you cant verify you must remove items off the credit 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