Consumer complaint received 2021-10-04
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a formal complaint that Transunion have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
I DEMANDED FOR IMMEDIATE REMOVAL OF ALL UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX And they Ignored my request. Instead they send me a letter ( attached with this complaint ) One part of the letter say " YOUR WRITTEN AUTHORIZATION MAY NOT BE REQUIRED TO CONSTITUTE PERMISSIBLE PURPOSE. PLEASE NOTE THAT YOUR SPECIFIC CONSENT TO THE RELEASE OF YOUR CREDIT INFORMATION IS NOT NECESARRY FOR A PERMISSIBLE PURPOSE TO EXIST. 
Transunion is in violation in 18 USC 1028A Aggravated identity theft.

( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any ( felony violation enumerated in subsection ) -- means any offense that is a felony violation of 18 USC 1028A ( c ) ( 4 ) ( FALSE STATEMENTS ), knowingly transfers ( DOCUMENT ), possesses, or uses, WITHOUT LAWFUL AUTHORITY, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
No consent is Identity Theft. 

18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information.

( a ) Whoever, in a circumstance described in subsection ( c ) ( 7 ) knowingly -transfers MEANS DOCUMENT ), possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or Under 15 U.S. Code 1681b - Permissible purpose 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. 
I never gave TRANSUNION any written consent to report anything on my consumer report. 
ALSO Any person who obtains a consumer report from a consumer reporting agency. under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency. for actual damages sustained by the consumer reporting agency. or {$1000.00}, whichever is greater.

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