Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XX/XX/XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX 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 reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



During XXXX I was in the hospital 5 times and had XXXX surgeries in addition to the XXXX I had in XXXX which left my health in question. I joined the local XXXX XXXX  that was being constructed in a presale and once it opened I attended a couple of times. Due to medical reasons I could no longer attend and need to cancel my membership by phone. I was told that I had to come in in person which I could not do at the time due to XXXX of the surgeries being on my eye.. I have a certified doctor not sent a certified letter. After not hearing a response I called the gym and asked to be contacted by a XXXX and a district XXXX, Mt message was never returned and XXXX sent the membership to collections and placed a charge off on my Transunion credit report which is a violation of the FCRA. I have asked for a contact in the collections department at crunch corporate and have gotten no response. The collection agency that sold the debt to has harrassed me and called me XXXX times a day from different numbers. I have sent them a certified cease and assist and will plan to take legal action for harassment. I have also filed a complaint tithe the Texas attorney general. Please look into this matter as crunch fitness is practicing unfair commerce practices. They make it easy to join the gym but extremely hard to cancel which is unfair. I had legitimate medical XXXX and needed to cancel, not only do I have to deal with medical and insurance bills in my XXXX aftermath I have to deal with an unfair collection and detriment to my credit report when I did the right then and attempted to cancel. I have filed a complaint with the FTC and Texas attorney general which is attached.. This activity on my credit report is a vialation of

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