Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have repeatedly reached out to Transunion about the multiple violations on my consumer report here via CFPB AND FTC AND XXXX  ABOUT THESE AND OTHER INQUIRIES ON MY CONSUMER THESE ARE THE companies dates and timesXXXX Inquiry : XXXX XXXXXXXX XXXX  + Department/Variety and Other Retail ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, 2022 + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX + Finance/Personal ( XXXX ) XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. Be advised this is an identification theft notice 1 am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company vou represent. I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed ( Allied Collection ) ( VIOLATION UNDER FCRA {$1000.00} ).

15 US C 1681 section 602 A. States I have the right to privacy. ( VIOLATION UNDER FCRA {$1000.00} ) 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. ( VIOLATION UNDER FCRA {$1000.00} ) 15 U.S.C 1692c ( VIOLATION UNDER FCRA {$1000.00} ).

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. ALSO, FAILURES TO BLOCK ALL INFORMATION OBTAINED FROM IDENTY THEFT 15 USC 1681c-2 ( VIOLATION UNDER FCRA {$1000.00} }

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