Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This dispute is about the XXXX XXXX, late payment information on the XXXX XXXX accounts, and the charge-off reported under the XXXX XXXXXXXX account on my credit file. These entries are inaccurate, and their inclusion violates multiple statutes within the Fair Credit Reporting Act ( FCRA ) and Public Law 90-321 ( 82 Stat. 146 ). Additionally, I highlight the lack of requisite investigatory actions that should accompany such reporting.

Violations of Relevant Statutes and Regulations 1. Failure to Conduct Personal Interviews or Verify Through Proper Investigation ( 15 U.S. Code 1681a ) Consumer reporting agencies are required to conduct thorough investigations, which may include personal interviews with individuals acquainted with the consumer to verify character, reputation, or other attributes.

This has never been conducted in relation to the reported items. The continued inclusion of unverifiable or unverified information violates the standards set under this statute. Furthermore, specific factual information must be obtained directly from the creditor or an authorized source. The reporting of inaccuracies fails to meet these requirements.

2. Failure to Follow Dispute Procedures ( 15 U.S. Code 1681i ) The FCRA mandates that consumer reporting agencies promptly and adequately investigate disputed information. 
Despite my disputes, the unlawful reporting of the XXXX the XXXX XXXX account, and the XXXX XXXXXXXX charge-off account remain uncorrected. Your failure to conduct appropriate investigations and remove these inaccuracies breaches your legal obligations. 
3. Unauthorized and Improper Reporting ( P.L. 90-321, 82 Stat. 146 ) Under this law, a consumer reporting agency may only include information on a consumer report in response to a request made by specific authorized entities, such as state or local child support enforcement agencies. 
The reporting of the XXXX, the XXXX XXXX account, and the XXXX XXXX charge-off are unauthorized, as there is no record of my explicit consent or any permissible purpose as defined under 15 U.S. Code 1681b. According to the IRS an unpaid charge-off is income and according to the FCRA income can not be reported within a consumer report.

Furthermore, P.L. 90-321 emphasizes the need for heightened restrictions and procedures in reporting sensitive financial data, none of which appear to have been followed here.

4. Adverse and Inaccurate Reporting of Information ( 15 U.S. Code 1681c ) Under this section : Adverse items such as the bankruptcy and charge-off that are either inaccurate, unverifiable unlawful, or all of the listed and should not be included in consumer reports.

Reporting the late payments and charge-offs without proper verification directly contradicts this statute.

5. Identity Theft and Privacy Concerns ( 12 CFR 1022.3 ) Reporting information without consumer consent or based on inaccuracies constitutes a breach of privacy and may align with the regulatory definition of identity theft.

The inclusion of the bankruptcy, later payments, and charge-off, given their inaccuracy and lack of authorization, exacerbates this violation.

Legal Precedent Supporting My Case As affirmed in Daughtery v. Convergent Outsourcing Inc., 836 F.3d 507 ( 5th Cir. 2016 ), a consumer report is a medium of communication and is subject to cease-and-desist requirements. My cease-and-desist orders to XXXXXXXX XXXX  and XXXX XXXX regarding these accounts have been disregarded, further compounding the violations. 
The reporting of these inaccurate and unauthorized items is a clear violation of federal statutes and my rights as a consumer. I expect prompt and thorough action to rectify these errors and ensure compliance with applicable laws. I have included screenshots to show that the reporting of these accounts is NOT uniform across each consumer report and therefore must be removed. XXXX has complied with consumer law, however, Transunion and XXXX have not and are still actively in violation of multiple consumer laws. 
Please confirm receipt of this dispute and notify me of your findings and corrective actions within the legally prescribed time frame.