Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TRANSUNION Traffic & solicited my personal Identification number & my credit card information which are both access devices. Trafficking an access device is considered fraud and an crime according to the law! The items on this consumer report was approved and authorized directly or indirectly by me using my access devices & credit cards meaning that should not be included on my consumer report! The information on my consumer report was not contain correctly according to the law! XXXX Is liable criminally and civilly for the damages and violations against me XXXX XXXX the Natural Person & Consumer! 
Title 18 U.S. Code 1029e ( 1 ) As used in this section ( 1 ) the term access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds ( other than a transfer originated solely by paper instrument ) ; Title 18 U.S. Code 1029a ( 6 ) without the authorization of the issuer of the access device, knowingly and with intent to defraud solicits a person for the purpose of ( A ) offering an access device ; or ( B ) selling information regarding or an application to obtain an access device ; Title 18 U.S. Code 1029e ( 5 ) the term traffic means transfer, or otherwise dispose of, to another, or obtain control of with intent to transfer or dispose of ; Title 15 U.S. Code 1681a ( 2 ) ( b ) CONSUMER REPORT DOES NOT INCLUDE ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Title 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Title 15 U.S. Code 1681n a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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