Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the FCRA A financial institution has no right to report my NON Personal information to a non-affiliated third party! 
XXXX XXXX has Submitted inaccurate and unverifiable information to the Credit Reporting Agencies.

The Credit Reporting Agencies are reporting information that has not been verified and violates my rights as cited below. Also, I was not given the option to opt out of being reported to non-affiliated third parties which is listed in Section B 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, 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. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and I have the right to a fair and accurate credit report. My privacy was violated as well as reputation. These inaccuracies has caused me a severe amount of damages which I should be compensated for. 


15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I HAVE FOR MONTHS REQUESTED HOW THIS INFORMATION WAS DEEMED VERIFIABLE. NOBODY PROVIDED ME WITH THE PROPER DOCUMENTATION THAT I AM ENTITLED TO. I WANT TO KNOW WHO ( name, address, position ) VERIFIED THIS INFORMATION, WHEN WAS IT VERIFIED, HOW DID THEY VERIFY IT AND WAS IT IN ACCORDANCE WITH 15 U.S CODE 1681 PROCEDURES AND TO BE PROVIDED THE DOCUMENTATION TO SUPPORT THAT.

IF NO SUBSTANTIAL INFORMATION IS PROVIDED THEN THE ITEMS MUST BE DISPUTED BECAUSE THEY ARE CONSIDERED INACCURATE AND UNVERIFIABLE 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 

My reputation was harmed. The CRAs are harming my financial reputation causing me a plethora of DAMAGES. THEYRE GOING AROUND TELLING EVERYONE THAT I HAVE DEROGATORY REMARKS ON MY REPORT. WHICH IS IN VIOLATION WITH THE CODE BELOW 15 U.S. Code 1681s - Administrative enforcement ( XXXX ) The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. 


I DID NOT GIVE PERMISSION NOR DOES ANY OF THESE COMPANIES HAVE MY WET XXXX OR BLUE INK SIGNATURE TO REPORT NEGATIVE AND DEGRADING INFORMATION ON MY CREDIT PROFILE ( REPUTATION ) OR HAVE PROOF OF ME DOING BUSINESS WITH THEM. I AS A CONSUMER A NATURAL PERSON DESERVES FAIRNESS.

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