Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my consumer report and noticed some unauthorized accounts on my consumer report. TRANSUNION ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to 15 U.S. Code 1681 ( a ) ( 3 ). TRANSUNION assumed the role WITHOUT my written permission nor consent. TRANSUNION did not respect my right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). There is a need to insure that TRANSUNION exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. TRANSUNION did not exercise their grave responsibilities. TRANSUNION is unfair, partial, and disrespecting my right to privacy by reporting the current information TRANSUNION have on file about me.

Lately I have filed several complaints and mailed several correspondences to TRANSUNION about my consumer report/file and TRANSUNION dishonored my demands as for deleting the information TRANSUNION reports about me. TRANSUNION NEVER HAD PERMISIIBLE PURPOSE TO REPORT ANYTHING ABOUT ME IN THE FIRST PLACE!! Pursuant to 15 U.S. Code 1681b ( 2 ) TRANSUNION 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. TRANSUNION HAS NO WRITTEN INSTRUCTIONS FROM ME TO FURNISH A CONSUMER REPORT ABOUT ME!! 

NOT ONLY DID TRANSUNION HAVE NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ABOUT ME, TRANSUNION DID NOT HAVE MY CONSENT TO SHARE ANY NONPUBLIC PERSONAL INFORMATION ABOUT ME TO ANYONE. THE CREDITORS/DATA FURNISHERS THAT TRANSUNION RECEIVED NONPUBLIC PERSONAL INFORMATION ABOUT ME DO NOT HAVE MY CONSENT TO SHARE ANY OF MY NONPUBLIC PERSONAL INFORMATION TO ANYONE ( REGARDLESS OF ACCURACY ) WHICH IS AN INVASION OF MY PRIVACY AND A VIOLATION OF THE GLB ACT AND CRIME UNDER 18 USC.

1 ) TRANSUNION should not even have any information about me in the first place because I never gave consent to any information about me being shared to TRANSUNION nor was I given the option to opt out of my nonpublic personal information to be shared with any nonaffiliated third party which is required by law. 2 ) TRANSUNION NEVER communicated with me about any information that TRANSUNION reported about me on my consumer report in their initial investigation. 3 ) When I disputed information on my consumer report and TRANSUNION so called verified the information as accurate, TRANSUNION did not provide me the description of their method of verification as I demanded in previous correspondence to TRANSUNION as TRANSUNION is required to do pursuant to the FCRA. TRANSUNION 's re-investigation was unlawful pursuant to what an investigative consumer report is and what is included/excluded in an investigative consumer report. 4 ) I sent correspondence to TRANSUNION to delete the information they report about me and mentioning that the information TRANSUNION reported about me was inaccurate and showing TRANSUNION that the information they reported was inconsistent with what other consumer reporting agencies reported about me.

TRANSUNION IS UNLAWFULLY FURNISHING REPORTS ABOUT ME THAT DAMAGES MY REPUTATION. TRANSUNION IS USING MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT, IN AN ADVERSE MANNER TO ME, THAT DAMAGES ME MENTALLY, FINANCIALLY, EMOTIONALLY, DOES NOT BENEFIT ME BUT BENEFITS TRANSUNION FINANCIALLY, which is fraud and aggravated identity theft which is crime under 18 USC!!

I DEMAND THAT ALL INFORMATION ( INCLUDING PROMOTIONAL INQUIRIES ) THAT TRANSUNION REPORTS ABOUT ME BE DELETED IMMIDIATELY!!!!!!!!!!!!!

Peace, love, and prosperity to the reader of this complaint.

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