Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX XXXX XXXX Last XXXX XXXX XXXX Transunion Consumer Solution XXXX XXXX XXXX, XXXX XXXX PA XXXX THIS IS NOT A DISPUTE THIS IS A REQUEST. I AM SEEKING LITIGATION AGAINST TRANSUNION AND ALL THE FOLLOWING ACCOUNTS INVOLVED. 


In accordance with the Fair Credit Reporting act, the following accounts/lenders have violated multiple of my federally protected consumer rights. I am requesting that these accounts be deleted from my consumer report at once. The following accounts/lenders have reported adverse items to my consumer report. Which must be removed mainly due to consumer law 15 U.S.C 1681. 

XXXX : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these accounts be deleted from my consumer report. There is no excuse these items shouldnt be reporting to none of my consumer reports.This practice is UNLAWFUL and against consumer law 15 U.S CODE 1681. All consumer laws are broken down into chapters, sections, and subchapters, which all are laws we as consumers and companies must abide by. There are multiple laws under 15 U.S.C 1681 that protect me and my confidentiality. They are listed and described below.

15 U.S.C 1681 section 602 ( a ) subchapter 4 states 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. Meaning I have a right to privacy and what is being reported on my consumer report as a consumer. Only I can determine what is fair to me. Only I can determine what is impartial and respectful to myself. 

15 U.S.C 1681 Section 604 A Section 2. States 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. Meaning no account can be opened in my name without my written instruction. None of these accounts have my written INSTRUCTIONS to furnish an account to me, if so I am requesting my written instructions to open these accounts be mailed to address on file. ALL LENDERS HAVE 30 DAYS TO PROVIDE ME WITH MY WRITTEN INSTRUCTIONS TO OPEN THESE ACCOUNTS OR THEY MUST DELETED. 

15 U.S.C 6802 Section B subchapter 1 A financial institution may not disclose my nonpublic personal information to a nonaffiliated third party. Meaning these financial institutions are not allowed to share my information to the nonaffiliated third parties such as Transunion, XXXX, and XXXX, XXXX, and etc. These consumer reporting agencies must remove this information which they should not be reporting in the first place. 

In Conclusion, my reasoning for deletion is supported by consumer laws that were made to protect me as a consumer. Reporting these accounts goes against my privacy and confidentiality which is mainly protected and supported by 15 U.S CODE 1681. I AM REQUESTING ALL ACCOUNTS ABOVE BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

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