Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6802.

a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX as violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C. 1681 Section 604. A. Section 2. This Law states it's illegal to report transaction history. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : ... XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : ... XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : ... XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. and this account is considered a certificate of indebtedness which means it is income and it must be removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2.

Has also violated my rights 20 USC 1232g, 34 CFR 99, and 5 USC 552a.

Violation of the Family Educational and Privacy Act of 1974.

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