Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX XXXX XXXX XXXX XXXX, a United States Court of Appeals for the XXXX XXXX in XXXX  ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n . 

It is imperative to understand that failure to disclose information that should be made available constitutes fraud. Additionally, the unauthorized use of another person 's identifying information, without proper consent, amounts to Identity Theft. Under XXXX  XXXX XXXX XXXX you may be held liable for Identity Theft. 

U.S. Court of Appeals for the XXXX XXXX recently ruled that a consumer does not have to prove actual damages to recover statutory damages for willful violations of the Fair Credit Reporting Act, In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

( Transunion ; XXXX ; XXXX ) has violated many consumer rights. Under Title 15 USC 1681 604 ( a ) ( 2 ) a consumer reporting agency CAN NOT furnish any account without my consent. ( Transunion ; XXXX ; XXXX ) continues to defy my demands and report inaccurate accounts. 

( Transunion ; XXXX ; XXXX ) has failed to provide me with their investigation process. Has failed to provide me with any documents and proof of validation. 

( Transunion ; XXXX ; XXXX ) has also abused my privacy rights. Under Title 15 USC 1681 602 ( a ) it states I have a right to privacy and ( Transunion ; XXXX ; XXXX ) continues to engage in abusing my rights. 

They have also engaged in defamation of my character. 
( Transunion ; XXXX ; XXXX ) is in violation of FCRA section 611 part ( A ) ( 1 ) I never gave ( Transunion ; XXXX ; XXXX ) any written instructions to furnish any of these accounts which is a violation of Title 15 USC 1681b and ( Transunion ; XXXX ; XXXX ) has caused me severe anxiety, and stress due to their abusive and unfair practices. 

The standard for unfairness in the Dodd Frank act is that an act or practice is unfair when : ( 1 ) it causes, or is likely to cause substantial injury to consumers And ( Transunion ; XXXX ; XXXX ) has caused me emotional and financial injury. 

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( Transunion ; XXXX ; XXXX ) falsely reported information that resulted in defamation of my character. Further, ( Transunion ; XXXX ; XXXX ) created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid, ( Transunion ; XXXX ; XXXX ) created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, the ( Transunion ; XXXX ; XXXX ) Company is liable according to 15 USC 1681o. 

I hereby put ( Transunion ; XXXX ; XXXX ) on notice and would like to inform ( Transunion ; XXXX ; XXXX ) that I never gave consent to this report being furnished by ( Transunion ; XXXX ; XXXX ) on my behalf and I am also aware of the fact that ( Transunion ; XXXX ; XXXX ) assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, ( Transunion ; XXXX ; XXXX ) is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( Transunion ; XXXX ; XXXX ) neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 
I request ( Transunion ; XXXX ; XXXX ) to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with/the details of the system adopted by the ( Transunion ; XXXX ; XXXX ) organization to determine whether the transaction took place or not. 
Further pursuant to 15 USC 1681 ( a ) ( b ) the ( Transunion ; XXXX ; XXXX ) organization did not adopt such procedures that meet the need of commerce for consumer credit.

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