Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFFIDAVIT OF TRUTH XXXX XXXX XXXX, a consumer a natural person of age and competent to testify, based on my own personal knowledge : XXXX XXXX XXXX a consumer, a natural person pursuant to federal law 15 USC 1692a ( 3 ). ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR TRANSUNION pursuant to federal law 15 USC 1692a ( 4 ). ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 
XXXX XXXX XXXX a consumer a natural person The ORIGNATOR TRANSUNION is providing you my written consumer report pursuant to Federal law 15 USC 1681a ( d ) ( 1 ) ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for As a consumer, a natural person I have the right to privacy pursuant to federal law 15 USC 1681 ( a ) ( 4 ). ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Pursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

I am demanding the credit inquiry listed below be removed or delete from my consumer report pursuant to Pursuant to 15 USC 1681b ( a ) ( 2 ) ( 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. 
XXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these credit inquiries on my consumer report. Please provide proof of consumer express written consent forms for accounts listed below. 
I am demanding deletion of the credit inquiry listed below : 1. XXXX 1 . XXXX 2. XXXX  XXXX  3. XXXX  XXXX  XXXX 4. XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX a. Consumer is NOT in receipt of any document which verifies that consumer have requested credit with the above listed CORPORATION.

b. As a result of the harassment by the CORPORATION listed above. I have been damaged financially, socially, and emotionally.

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