Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX File # XXXX Sent via Certified registered mail To Whom It May Concern : I, XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX, Is providing This Letter as formal notice of my Intent to File a Lawsuit against Transunion for Damages for a Willful Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am sure you are aware of the consequences of violating the Fair Credit Reporting Act. There are multiple violations that Transunion is now responsible for. 
Privacy Violations-. Transunion performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 
Furnishing and Reporting Old Information-Transunion failed to supply information and keep your credit information current. When your credit circumstances have changed, and the information in your credit report is not updated to reflect these changes. reporting old debts as new or re-aged. reporting an account as active when it was voluntarily closed by a consumer. 

Debt Dispute Violations by Transunion notify a creditor that you dispute the debt that it has reported. Failed to conduct a reasonable investigation of your dispute. Failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( about 4 and a half weeks ) of receiving notice of your dispute. 

By Transunion Willful Violation of my FCRA caused a property owner to turn down my application for imperfect credit, turn down for business credit loans due to imperfect credit, too many inquiries. 






NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.2 TransUnion XXXX XXXX  XXXX XXXX XXXX, PA XXXX File # XXXX XXXX. Reporting Inaccurate Names than legal name XXXX XXXX XXXX, my Identification is on File with TRANSUNION. PLEASE DELETE INFORMATION FROM CREDIT REPORT NAMES NEEDS TO BE DELETED FRO CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting Incorrect/Old-Age Accounts/ Closed Account by Consumer Information/ PLEASE DELETE FROM CREDIT REPORT, The information listed is inaccurate, the creditor was to delete from report, I closed the accounts : Name of Creditor / Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.3 TransUnion XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX File # XXXX XXXX. I would like to DISPUTE this creditor ; this is not my Collection account unaware of this creditor. Provide Proof of this DEBT. PLEASE DELETE MY ACCOUNT. 
XXXX XXXX XXXX XXXX {$3000.00} 4. TRANSUNION Provided these Regular Inquiries without My written Authorization. 
PLEASE DELETE FROM MY CREDIT FILE Regular Inquiries Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. 
Name of Creditor / Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TRANSUNION Performed these Promotional Inquiries of My credit report without My written Authorization. PLEASE DELETE FROM MY CREDIT FILE Promotional Inquiries The companies listed below received your name, address, and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and do not affect your score. 
TRANSUNION INTERACTIVE, credit pulled on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.4 TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX File # XXXX XXXX. TRANSUNION Provided My Credit Report without My written Authorization for the following Account Review Inquires. PLEASE DELETE FROM MY CREDIT FILE Account Review Inquiries The listing of a company 's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not be used in scoring your credit file ( except insurance companies may have access to other insurance company inquiries, certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries, where permitted by law ). 
Name of Creditor Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.5 TransUnion XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX File # XXXX XXXX. TRANSUNION Provided My Credit Report without My written Authorization for the following Account Review Inquires. PLEASE DELETE FROM MY CREDIT FILE Account Review Inquiries -- Continued Name of Creditor Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.6 TransUnion XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX File # XXXX XXXX. TRANSUNION Provided My Credit Report without My written Authorization for the following Account Review Inquires. PLEASE DELETE FROM MY CREDIT FILE Account Review Inquiries- continued Name of Creditor Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg. 7 TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX File # XXXX The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment, or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you ( this is called " file disclosure '' ). 
FCRA violations are withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing, and reporting old information, and mixing file. 
FCRA, violations whether it was intentional or not. The damages that a consumer may receive are not subject to any limit of the 4 Types of Damages for a Fair Credit Reporting Act Violation consumers maXXXX be entitled to the following damages : Actual damages. There is no limit to this amount if you can prove the loss. Statutory damages. This damage ranges between {$100.00} and {$1000.00}. Consumers can take advantage of statutory damages even without proving that the violation caused you harm. Punitive damages, with no limit on how much. Punitive damages are decided by the court overseeing the proceeding. 
Take further notice that Transunion LLC, 30 ( thirty ) days after your receipt of this dispute letter, Transunion will contact the creditor to get the information validated. If the creditor can not validate the disputed issue on your credit report within 30 days ( about 4 and a half weeks ), then the CRA must remove the item from your credit report because it is unverifiable information Transunion, LLC Please Delete all credit inquiries, the collection debt that was previously disputed in which you have not provided proof of debt. 
Congress passed the Fair Credit Reporting Act ( FCRA ) in 1971 to regulate consumer reporting agencies ( CRAs ), creditors that furnish information to the CRAs, and users of consumer reports. It also provides consumer protections and outlines how you can recover damages if your credit score is harmed by information that should not be in your consumer reports. 
Based on Report # XXXX I, XXXX XXXX will be requesting STATUTORY DAMAGES the sum of {$1000.00} for each violation. Please provide a settlement offer for violating the American Disability Act ( ADA ), The federal Fair Credit Reporting Act ( FCRA ). 
XXXXIf no Settlement Offer is presented to XXXX XXXX XXXX I will be enforcing the FCRA rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA . Imya attorney will seek to recover statutory Damages, Punitive Damages, and attorney fees for the Many violations. 
Respectfully, XXXX XXXX

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