Consumer complaint received 2024-08-21
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. (MO)

It has come to my attention that TransUnion has been using my nonpublic information as well as my personally identifiable financial information in an abusive manner, which has resulted in financial damage. This is a formal complaint against TransUnion that requires CFPB enforcement under XXXX XXXX XXXX as I have not provided TransUnion with XXXX to use my report in this manner. Items fraudulently reported by TransUnion include : [ XXXX. 
a. Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Account Number on TransUnion : XXXX XXXX. 
a. Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Account Number on TransUnion : XXXX XXXX. 
a. Name : XXXXXXXX XXXX  XXXX XXXX. Address XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX on TransUnion : XXXX XXXX. 
a. Name : XXXX XXXXXXXX b. Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number on TransUnion : XXXX XXXX. 
a. Name : XXXXXXXX XXXX b. Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account Number on TransUnion : XXXX XXXX. 
a. Name : XXXX XXXX XXXX b. Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Account Number on TransUnion : XXXX ] Violations of the United States XXXX : XXXX. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion is a consumer reporting agency, and I am the Consumer. 

XXXX. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) states : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. '' Neither the financial institutions nor the consumer reporting agency TransUnion has received verbal consent to furnish this nonpublic information, and they surely do not have my written consent. Any and all consent, whether direct or implied, provided to TransUnion and/or the financial institutions to furnish this information on my consumer report, whether it be verbal, non-verbal, written, implied, or otherwise, is hereby REVOKED. 

XXXX. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) states : " Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' The accounts in question are adverse items that TransUnion is furnishing without my permission, which is a violation of XXXX XXXX XXXX XXXX. The accounts in question are not exempt under XXXX XXXX XXXX XXXX ( b ). I am hereby demanding these items be removed from the consumer report immediately upon receipt of this notice. 

XXXX. XXXX XXXX XXXX XXXX ( a ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. 

TransUnion is not maintaining reasonable procedures as showcased by their violation of XXXX XXXX XXXX XXXX. Therefore, they are in violation of XXXX XXXX XXXX XXXX as well!