Consumer complaint received 2024-06-19
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. (DE)

I recently pulled my credit profile and was shocked to learn that I had hard inquiries from companies I did not authorize to run or use my Social Security number. I have no acknowledgment of these encounters with these organizations, constituting violations of 15 USC 1681b, which limits access to consumer reports. This unauthorized activity is severely affecting my creditworthiness. Furthermore, XXXX is reflecting on my profile, and I have no contract with them nor did I authorize or do business with XXXX. This indicates potential violations of 15 USC 1681s-2, which requires accurate reporting by furnishers. I was a victim of identity theft due to XXXX and TransUnion 's recent data breaches, and I have yet to be compensated by either bureau, including XXXX, for their negligence and inaccuracies, as stipulated under 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n and 15 USC 1681o, I am owed $ XXXX per violation. These errors and violations are not only financially damaging but also emotionally and mentally distressing due to constant denials of credit extension. It's very embarrassing and traumatic. Despite reaching out and disputing numerous times, requesting for the closed accounts to be removed due to no validation of debt, no proof that I owe a debt, no contract with my wet signature, and no acknowledgment of debt, these closed accounts continue to affect my creditworthiness, violating 15 USC 1681i, which requires prompt investigation and correction of disputed information. The specific closed accounts in question are : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted each business, yet they all refuse to do what's right and follow the laws put in place for consumer protection, for which I have the right to fairness and accuracy per 15 USC 1681. Additionally, the unauthorized inquiries I demand be removed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights to privacy per 39 CFR Part 99 and the Privacy Act of 1974 by sharing my personal education and banking information with third-party entities, despite having agreements stating XXXX doesn't share my private information. This constitutes a violation of 15 USC 6802, which restricts the sharing of personal information by financial institutions. I demanded TransUnion, XXXX, and XXXX, as well as XXXX, to remove this information from my credit report per the Truth in Lending Act, but each company refused to do so. This is a serious matter. I also demanded the removal of the collection account : XXXX - XXXX, for non-validation of debt, no contract with my wet signature with the original creditor, and no acknowledgment of debt per 15 USC 1692g . This situation lacks the fairness and accuracy to which I am entitled as a federally protected consumer under 15 USC 1681e ( a ). These issues constitute violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( XXXX ). Relevant statutes include : 15 USC 1681s-2, 15 USC 1681, 15 USC 1681c , 15 USC 1681e ( b ), 39 CFR Part 99, 15 USC 1681a ( d ), 15 USC 1681b , 15 USC 6802, 15 USC 1681c , 15 USC 1681i , 15 USC 1692, 15 USC 1681e ( a ), 15 USC 1681g , 15 USC 1681h , 15 USC 1681i ( a ), 15 USC 1681s , 15 USC 1681n , 15 USC 1681o , 15 USC 6803, 15 USC 6804, 15 USC 6805, 15 USC 6801, 15 USC 1692e , 15 USC 1692f , 15 USC 1692g , 16 CFR 433.1, 16 CFR 433.2, and 16 CFR 433.3. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and take the necessary actions to rectify these issues and protect my rights as a consumer, please and thanks.