Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Date : XX/XX/XXXX  Subject : Unlawful Information Sharing and Credit Reporting Abuses by [ XXXX XXXX  ], [ XXXX XXXX Bank ], [ XXXX ], and Credit Reporting Agencies [ XXXX ], [ XXXX ], and [ TransUnion ] Demand for Immediate Action and Investigation : This complaint serves as a formal demand for swift remediation of egregious violations of the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ) by the aforementioned parties, causing substantial harm to my financial reputation and legal rights. 

Flagrant Disregard for Opt-Out Requests : I exercised my opt-out rights under the GLBA on [ Date ( s ) ] via certified mail ( copies attached ) to each named bank, explicitly prohibiting them from sharing my nonpublic personal information, including credit report data, with third-party agencies. Yet, my information remains brazenly displayed on my credit reports from all three bureaus, constituting a blatant disregard for my statutory right to privacy and resulting in potential fines of up to {$100.00} per day per violation, with a maximum of {$1.00} XXXX per year under the GLBA. 

Outrageous Inaccuracies and Discrepancies : The inconsistencies across my credit reports raise serious concerns about the accuracy and validity of the reported information. These discrepancies not only cast doubt on the legitimacy of the reported debts but also violate 15 U.S.C. 1681i of the FCRA, requiring credit reporting agencies to conduct a reasonable reinvestigation upon receiving a dispute. For instance : XXXX : - Balance discrepancies : {$68000.00} on XXXX, {$65000.00} on Transunion and XXXX. 
- Late payment inconsistencies : 60-day late on XXXX, no record of 30 or 90-day late payments on any bureau, but 2 90-day late payments with XXXX and XXXX late payments with Transunion. 

XXXX XXXX  : -Balance inconsistencies : {$100000.00} with XXXX and XXXX XXXX {$100000.00} with Transunion . 
- Late payment discrepancies : three late payments with XXXX, five late payments with XXXX, and XXXX late payments with Transunion. 

These discrepancies, coupled with the lack of response from the banks to my verifiable requests for proof of debt under penalty of perjury, CFO attestation, and documented financial records, raise strong suspicions of potential debt fraud. Failure to comply with the FCRA 's dispute procedures can result in fines of up to {$5000.00} per violation, with multiple willful violations leading to fines of up to {$100000.00}. 

Demand for Immediate Action : Complete removal of all information related to [ XXXX XXXX  ], [ XXXX XXXX XXXX  ], and [ XXXX ] from my credit reports at all three bureaus. My Opt Out notices must be honored according to my consumer law rights. 

Clear confirmation from each bank and credit reporting agency acknowledging receipt and implementation of my opt-out requests. 

Failure to promptly address these demands will leave me with no choice but to pursue further legal action to fully vindicate my rights and seek maximum compensation for the unlawful conduct. 

Violations of Consumer Laws : 16 CFR 313.7 : Failure to comply with opt-out requests regarding nonpublic personal information sharing ( GLBA ) - Fines up to {$100.00} per day per violation, maximum {$1.00} XXXX per year. 

15 U.S.C. 6802 : Disclosing nonpublic personal information without my consent or failing to provide adequate notice and opportunity to opt out ( GLBA ) - Fines up to {$10000.00} per violation, maximum {$1.00} XXXX  per year. 

15 U.S.C. 6801 : Sharing nonpublic personal information with unauthorized third parties ( GLBA ) - Fines as outlined in 16 CFR 313.7. 

15 U.S.C. 1681i addresses the responsibilities of credit reporting agencies upon receiving a dispute from a consumer about the accuracy or completeness of information in their credit report. 

Attached Documentation : Copies of both my opt-out requests to each banks Copies of my credit reports Copies of my Certified mail confirmation receipts to all 3 banks and all 3 credit bureaus Sincerely, XXXX 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 explanation