Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am making this complaint in regard to information being reported in my credit file that is causing me great financial despair. Transunion is a private for-profit corporation who is acting under the disguise of a government agency, misleading consumers to believe they have a right to infringe on my privacy. Transunion have obtained my nonpublic personal information without my consent which is considered identity theft, to make a report about personal finances and sell it to other corporations make a profit and I receive no benefits. 

Transunion have caused me to be denied access to my credit for my personal family and household benefit by reporting inaccurate and unverified information. Transunion have not produced any certification or surety bond from a registered agent of the corporation certifying that a valid and legal debt exists. Therefore, anyone who has a subscription can make any report on any consumer whether it is true or not. FURTHERMORE, I DO NOT HAVE A CONTRACTUAL AGREEMENT WITH TRANSUNION TO SELL MY INTELLECTUAL PROPERTY ( NONPUBLIC INFORMATION TO MAKE A PROFIT FOR THEIR FINANCIAL BENEFIT ONLY ). I HAVE NOT NOR HAVE I EVER RECEIVED COMPENSATION FROM ANY PROCEEDS OF SALE OF MY NONPUBLIC INFORMATION. THIS CONSTITUTES AGRREVATED IDENTITY THEFT AND FRAUD. 

The financial harm I have suffered due to the Negligence of Transunion have caused me to be denied the use of my credit. Every time I apply for credit the creditor adverse notice refers me back to Transunion to correct any errors made. I am unable to obtain affordable insurance coverage for my vehicle due to Transunion making a report on me without my consent. My insurance company informed me that my premium is high due to my credit report. So, the financial impact goes far beyond me only obtaining credit. I want to move to a new career, but the position entails a credit check, due to adverse credit reporting of my nonpublic personal information by Transunion. I would also be denied future employment Transunion have failed to directly follow the federal compliance laws in accordance with FCRA and handling consumers personal private information. They have assumed a role and as a result have cost me XXXX XXXX XXXX XXXXXXXX, fear of losing an opportunity that has presented itself for me to better my life. I literally live in fear due to the distress of credit reporting by Transunion, if I need to obtain any credit to better my life, I am unable to obtain any benefit or opportunity because of Transunion making this report on my personal finances. 

Transunion have not complied and have violated the following federal laws that was put in place to regulate and ensure fairness and accuracy of credit reporting. 

My RIGHT TO PRIVACY is not a privilege it is a RIGHT GRANTED as a living human soul and federal law. 

Transunion does not have any affiliated or common ownership with any financial institutions ; therefore, buying and or selling my nonpublic information is fraud and noncompliance. I am a victim because I have been directly and prominently harmed as a result of Transunion commission of offense, involvement in scheme to defraud me, conspiracy and pattern of criminal activities. with Nonaffiliated third parties 15 usc 6809 ( 5 ) The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

[ 15 U.S.C. 1681b ] Permissible purposes of consumer reports ( 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.

[ 15 usc 1681 a ( 4 ) ] ( 4 ) 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.

[ 15 usc 1681 a ( 2 ) ] ( a ) Accuracy and fairness of credit reporting [ 15 U.S.C. 1681n ] Civil liability for willful noncompliance ( a 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 [ 15 U.S.C. 1681o ] Civil liability for negligent noncompliance ( a ) Any person who is negligent in failing 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 [ 15 U.S.C. 1681s ] Administrative enforcement ( a ) ( 1 ) In general The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ) ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

[ 15 usc 1692 e False or misleading representations ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

Transunion is guilty of interference with commerce 15 usc 1 and 2 Deprivation of rights 18 usc 241 Conspiracy against rights and 242 Deprivation of rights under color of law Coercion 15 usc 1692 d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

And extortion 18 usc 1961 ( 1 ) racketeering activity means ( A ) any act or threat I have sent Transunion a notice to stop making a report on my personal finances and they have failed to comply. The FCRA and the Graham Leachy Bliley Act clearly states that a consumer has a right to privacy. The private corporations are infringing upon my rights and freedom of liberty my personal life, my private finances are not for the profit of a non-government agency of which I receive no benefit. Transunion have committed aggravated identity theft by purchasing my private information from other corporations and then selling my nonpublic information to other corporations. I was not given any opportunity or notice to opt out of credit reporting. Transunion is actively engaged in extortion and coercion in advertising of nonpayment of debt for sale to influence payment, they are also engaged in making a report to disgrace and embarrass me the consumer which is a clear violation and noncompliance of FDCPA and FCRA. Transunion have caused me severe distress injuries and damages by reporting false and inaccurate nonpublic information in order to make a profit from using stolen identifying personal nonpublic information.

I HAVE ALREADY HAD MY ADDRESS AND IDENTITY VERIFIED BY THE NOTARY, TRANSUNION WILL USE IDENTITY VERIFICATION AS A STALL TACTIC TO AVOID FIXING AND REMOVING THE ADVERSE ACCOUNTS. TRANSUNION WILL SELL OR BUY MY INFORMATION WITHOUT PROPERLY VERYFYING BUT NOT CORRECT THEIR WRONG DOINGS.

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