Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX XXXX XXXX Agent XXXX XXXX XXXX , Principal To who it may concern, Account Name : XXXX  Account Number : XXXX You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

I also want to dispute certain information on my credit report, as provided by your agency. I believe that the reported information is inaccurate, and I request that you investigate and correct this matter as soon as possible. The inaccurate information pertains to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX ] I would like to bring your attention the accounts above have been filed and ACCEPTED by the Internal Revenue Service via 1099C Cancellation of debt. This is inaccurate reporting and needs to be removed immediately The following federal laws, which I believe may be relevant to my case : 15 USC 6802 ( Right to Financial Privacy Act ) : Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 USC 1681b ( Fair Credit Reporting Act ) : Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relate 18 USC 1028A ( Aggravated Identity Theft ) : Aggravated identity theft ( a ) Offenses.- ( 1 ) In general.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, 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. 

I kindly request that you promptly investigate this matter and provide me with the results of your investigation. If you find that the information is inaccurate, please correct it in accordance with the law. Additionally, please provide me with a copy of the corrected credit report. 

Thank you for your prompt attention to this matter. I expect a timely resolution in compliance with federal laws. Your cooperation in this regard is greatly appreciated.

Company response to consumer: In progress