Consumer complaint received 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Trans Union is reporting an adverse closed account under my credit file as an " Authorized User '' '. Under FCRA USC 603, the consumer obtaining credit is responsible and authorized users are not responsible parties. Under federal law, I have the right to have Trans Union delete the XXXX XXXX XXXX account listed on my account as an " Authorized User '' since I am only an authorized user and not the consumer that obtained credit. Under federal law, Trans Union is hereby notified to DELETE the XXXX XXXX XXXX " Authorized User '' account from my credit file immediately upon receiving this notice otherwise they will be in defiance of federal law and full FCRA penalties and litigation restitution shall take place. Under FCRA 603, only consumer obtaining credit is liable. Authorized users are not liable and must be deleted immediately from credit bureau since the FCRA 603 also states reporting can only be made on the consumer obtaining credit. Trans Union is hereby notified of the federal law and must delete immediately the trade line otherwise face penalties and restitution allowed by law. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ). Here 's the exact text to which I refer : FCRA Section 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( what credit lines can be reported ). 
XXXX Firm offer of credit or insurance. The term " firm offer of credit or insurance '' means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on XXXX or more of the following : The consumer being determined, based on information in the consumer 's application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. 
XXXX Verification : ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumer 's application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer ; or ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. 
XXXX The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was : ( A ) established before selection of the consumer for the offer of credit or insurance ; and ( B ) disclosed to the consumer in the offer of credit or insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation