Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
NOTICE Transunion has failed to comply with 15 USC 1681b ( 2 ), 15 USC 1681c and 15 USC 1681e ( b ) and is liable to pursuant to 15 USC 1681n. 
I, XXXX XXXX am a federally protected consumer pursuant to 15 USC 1692c ( d ). Pursuant to 15 USC 1602 ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. The term consumer account means an account established by an individual primarily for personal, family, or household purposes pursuant to UCC 3-103 ( 2 ). Pursuant to 15 USC 1681a ( 2 ), the term consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. Pursuant to 15 USC 1681b ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates. Pursuant to 15 USC 1681c except as authorized, no consumer reporting agency may make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Pursuant to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX has failed to follow reasonable procedures to assure maximum possible accuracy of the information being reported to my consumer report and has refused to remove previously disputed information. Pursuant to 15 USC 1681i, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Transunion has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never authorized Transunion to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report. 
Transunion has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never authorized XXXX to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report. 
Transunion has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting account that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. 

Please IMMEDIATELY Remove the Following Accounts and Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX retail installment contract reporting inaccurately as an auto loan. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief