Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been reviewing my credit report and noticed several inaccuracies and incomplete information, specifically concerning the account with XXXX XXXX XXXX. On XX/XX/XXXX, this account was removed from my TransUnion credit report, only to be re-added the following day, XX/XX/XXXX. This action is a direct violation of 15 U.S.C. 1681i ( 5 ) ( B ) ( 2 ) ( 3 ).

Furthermore, I am deeply concerned that TransUnion has failed to fulfill its obligation to ensure maximum possible accuracy in reporting this account, as mandated by 15 U.S.C. 1681e ( b ). I have disputed this account multiple times, including filing identity theft reports with both the FTC and CFPB, yet the issue remains unresolved. 

This continued inaccurate reporting not only violates the Fair Credit Reporting Act but also infringes upon my rights under The Privacy Act of 1974 ( 5 U.S.C. 552a ). I demand that XXXX XXXX XXXX be permanently deleted from my credit report immediately to rectify this situation. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates. 
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ", I AM EXERCISING MY RIGHT TO OPT OUT OF XXXX XXXX XXXX FURNISHING OF INFORMATION TO MY TRANSUNION, XXXX AND XXXX XXXX REPORT. ANY AND ALL CONSENT WHETHER IT BE VERBAL, NON-VERBAL, WRITTEN, IMPLIED OR OTHERWISE IS NOW REVOKED ONCE THIS COMPLAINT IS RECEIVED.