Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX ( Generations FCU ), XXXX, TransUnion, and XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( XXXX ), and Uniform Commercial Code ( UCC ). 

Background : On XX/XX/year>, I sent a formal revocation letter to Generations XXXX, notifying them that I was revoking any prior authorizations related to the reporting, sharing, or disclosure of my personal and financial information to third parties, including credit reporting agencies, as per my rights under the FCRA and 15 U.S.C. 6802. 

Despite my clear request, more than 30 days have passed without a response from XXXX XXXX confirming compliance with my revocation. Additionally, XXXX, TransUnion, and XXXX have continued to report my credit information without proper authorization during this time. 

Violations : XXXX. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681b Permissible Purposes of XXXX XXXX : XXXX XXXX continued to disclose my consumer report to credit reporting agencies, despite my explicit revocation of authorization, violating the requirement that they only share information for permissible purposes. 

15 U.S.C. 1681c-1 Identity Theft Prevention and Credit Report Blocking : The ongoing sharing of my information could increase my risk of identity theft. By continuing to report my information to credit reporting agencies, Generations FCU failed to comply with their obligations under this section.

15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information : Generations FCU has a duty to furnish accurate and legitimate information to credit reporting agencies. By continuing to report my personal information after my revocation, they have violated this responsibility. XXXX, TransUnion, and XXXX are equally at fault for continuing to publish this information despite being informed of my revocation. 

2. Code of Federal Regulations ( CFR ) Violations 12 CFR 1022.21 Duties of Furnishers of Information : Generations FCU is obligated to correct or cease reporting any inaccurate or unauthorized information once informed by the consumer. Their failure to comply with my revocation of authorization is a violation of this regulation. Similarly, XXXX, TransUnion, and XXXX have continued to report inaccurate information. 

12 CFR 1022.20 Consumer Report Requests and Opt-Outs : I exercised my right to opt out of further reporting of my personal information under this provision. Generations FCUs failure to comply with this request and the continued reporting by XXXX, TransUnion, and XXXX constitutes a clear violation of this section. 

XXXX. Uniform Commercial Code ( UCC ) Violations UCC Article XXXX - Secured Transactions ( XXXX ) Request for Accounting or List of Collateral : If my personal information was used in secured transactions, such as loans or other financial products, Generations FCUs continued use of my information without my authorization violates this provision of the UCC. 

UCC 1-203 Obligation of Good Faith : Generations FCU has an obligation to act in good faith, which includes honoring my revocation of authorization. Their continued use and reporting of my information breaches this duty, as do the actions of XXXX, TransUnion, and XXXX in processing and reporting my personal information without proper authorization. 

UCC 9-625 Remedies for Secured Partys Failure to Comply : Generations FCUs non-compliance with my request may entitle me to remedies under this section. The continued unauthorized reporting of my personal financial information has adversely affected my standing as a debtor, and the credit reporting agencies are also responsible for this violation. 

XXXX XXXX XXXX XXXX XXXX : XXXX, TransUnion, and XXXX continued to report my personal financial information despite my revocation of authorization. This noncompliance demonstrates their failure to : Cease unauthorized reporting of my personal information under the FCRA ( 15 U.S.C. 1681s-2 ).

Properly update or correct my credit information as required under the CFR ( 12 CFR 1022.21 ).

Honor their responsibilities as data furnishers and processors by continuing to report information despite the lack of a permissible purpose under the FCRA. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau : Investigate the aforementioned violations by Generations XXXX, XXXX, TransUnion, and XXXX. 
Ensure that Generations FCU and the credit reporting agencies cease reporting my personal information and correct any inaccuracies caused by this unauthorized reporting. 
Pursue any applicable penalties or enforcement actions against the involved parties for non-compliance with federal laws and regulations. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution.