Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, XXXX XXXX, a longtime resident of Tennessee and military veteran, am submitting this after research and with my own free will. Please do not say you can't verify my identity, which would be false. I have multiple certified mail receipts and exhibits to show that I have spent countless hours and dollars disputing this reputation-damaging account ( on multiple occasions ) within the last 2-12+ months ( XXXX ). Transunion continues to fail to comply and intentionally violating my federally protected consumer rights ; and even more importantly, total disregard of my federally protected consumer rights to privacy and confidentiality. Under 15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.

15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

I have supplied them with all of the following details, statutes, ftc reports, and more. I have been told by fraud department supervisor, on record, that they do not know any law.

In addition to this, none of these companies CLEARLY AND CONSPICUOUSLY provided me with outlines of my consumer rights to opt out from credit reporting PRIOR to this account hitting my credit report.

15 U.S. Code 6801 each financial institution has an obligation to respect the privacy of its customers and to protect the security/confidentiality of their nonpublic personal info. 15 U.S. Code 6802 ( a ) business may not disclose to a nonaffiliated third party any non-public personal information ( b ) Opt out ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given opportunity to direct that info not be disclosed to such third party ; AND ( C ) the consumer is given an explanation of how they can exercise that option.

15 USC 6809 ( 5 ) " 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.

Nonaffiliated 3rd party = CREDIT BUREAUS ( Transunion, etc ) 15 USC 6809 ( 5 ) Affiliate means any company that controls, is controlled by, or is under common control-none of these companies and bureaus are not.

15 U.S. Code 6809 ( A ) " nonpublic personal information '' means PERSONALLY IDENTIFIABLE FINANCIAL INFORMATION ( ii ) resulting from ANY transaction with the consumer or any service performed for the consumer ; ( B ) Such term does not include publicly available information.

Resulting from ANY transaction= ALL. This was ONLY made available by these companies reporting this. I did not give this consent and you continue to report this with all disregard to law.

After research and recent consultations, I will have to proceed with legal action for the violations that this company has ALREADY committed if this company does resolve my concerns from my credit report immediately.

I have also ( just for records ) : 1 ) I have requested a copy of each debt collector companys Tennessee Collection Service License, to no avail. The Tennessee Collection Service Board licenses and regulates collection agencies and their location managers under the provisions of Tennessee Code Annotated 62-20-101 et seq. and corresponding Administrative Rules. Tennessee Code Title 62 - Professions, Businesses and Trades Chapter 20 - Tennessee Collection Service Act 62-20-105 - License requirement. ( a ) No person/business shall commence, conduct or operate any collection service business in this state ( TENNESSEE ) unless the person/business holds a valid collection service license issued by the board under this chapter or prior state law. 62-20-123.

2.A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the debt amount is correct. -This account information is inconsistent and varies across all three bureaus. 3.Documentation that shows I agreed to pay you this debt with my signature and documentation that shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. -No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4.The Agreement that grants you authority to collect on this alleged debt. 5.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you 6.Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasn't present ) 7. The Original Promissory Note on this Alleged Debt. 


Accounts that need to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB has taken action against XXXX XXXX XXXX XXXX and they closed their business in 2019 because of illegal debt collection practices. Transunion has STILL proceeded to ignore all information against all FCRA statutes. Under 15 USC 1681a ( 2 ), ( 3 ), and ( 4 ) - consumer reporting agencies have assumed a vital role in assembling and evaluating consumer information and reputation, and it is their duty to exercise their GRAVE RESPONSIBILITIES with fairness, impartiality, and a respect to consumers right to privacy. Transunion has been partial and assumed this role without my permission, and didn't respect my privacy. 

Attached are Identity Theft Reports, FDCPA violations committed by the debt collectors, Tennessee Debt Collection Act-for reference

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