Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear all companies involved my name is XXXX XXXX I have disputed this fraud INQUIRIES I filed multiple identity theft claiming this account is fraud with the FTC. These negative reporting on my credit is hurting my life financially and progressively as well Iam a federally protected consumer and my rights are in violation also all credit bureaus and companies named are in violations of the fair cares act law its been more than 8 months i ask for credit bureaus to delete and remove negative INQUIRIES listed below Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX H15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # XXXX - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on XX/XX/XXXX From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES Jump To : Source Credit Prior Provisions Effective Date 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( XXXX ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 
( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( XXXX ) Duty to provide notice of closed accounts A person who regularly and in the ordinary course of business furnishes information to a consumer reporting agency regarding a consumer who has a credit account with that person shall notify the agency of the voluntary closure of the account by the consumer, in information regularly furnished for the period in which the account is closed. 
( XXXX ) Duty to provide notice of delinquency of accounts A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action. 
( b ) Duties of furnishers of information upon notice of dispute ( XXXX ) In general After receiving notice pursuant to section XXXX ( a ) ( XXXX ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall- ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section XXXX ( a ) ( XXXX ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.

( 2 ) Deadline A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information.

( c ) Limitation on liability Sections 1681n and 1681o of this title do not apply to any failure to comply with subsection ( a ) of this section, except as provided in section 1681s ( c ) ( 1 ) ( B ) of this title.

( d ) Limitation on enforcement Subsection ( a ) of this section shall be enforced exclusively under section 1681s of this title by the Federal agencies and officials and the State officials identified in that section. 
( Pub. L. 90321, title VI, 623, as added Pub. L. 104208, div. A, title II, 2413 ( a ) ( 2 ), Sept. 30, 1996, 110 Stat. 3009447. ) 1029. Fraudulent Presentment and Related Unauthorized Credit Card Transactions Made by Access Device18 U.S.C. 1029 ( a ) ( 7 ) This provision became effective XXXX XXXX XXXX  as part of the Violent Crime Control and Law Enforcement Act of 1994, Pub. L. No. 103-322, 250007, 108 Stat. 1796. The basis for Subsection ( a ) ( XXXX ) of 18 U.S.C. 1029 arises from the various ways that the major credit card issuers treat in-person and telemarketing transactions. Transactions in-person, those in which the customer physically presents a credit card to a merchant for payment for goods or services, requires the customer to sign a credit card draft. In turn, the merchant 's bank or the credit card issuer treats these signed transaction slips in much the same way that checks would be treated. The merchant is credited with the value of the transaction at the time of deposit or submission for payment, and the merchant is charged a small fee for each transaction. Conversely, telemarketing transactions, i.e., transactions made via a telecommunication system, do not require a customer signature and, therefore, are more carefully scrutinized by the credit card systems. Consequently, the telemarketer is charged a substantially higher fee for processing the transactions. 
Telemarketers often launder credit card transactions through merchants, a practice which both systems rules expressly prohibit. Fraudulent telemarketers generally are unable to obtain merchant accounts from card issuers through which they can receive cash. To obtain money on the credit card numbers they obtain through their fraudulent telemarketing schemes, they find legitimate merchants who have merchant accounts with the credit card issuers and are willing, for a small percentage of the " sale '' amount, to create a fake credit card sales draft, i.e., a counterfeit ( fake ) access device, and submit it through the merchant account to the credit card issuer for payment. Prior to the enactment of Subsection ( a ) ( 7 ) to 18 U.S.C. 1029, which expressly addresses this practice known as " factoring, '' the fraudulent, i.e., fake ( counterfeit ), credit card sales drafts practice was prosecuted successfully under 18 U.S.C. 1029 ( a ) ( 1 ) ( " knowingly and with intent to defraud produc [ ing ], us [ ing ], or traffic [ king ] in one or more counterfeit [ fake ] access devices '' ), 18 U.S.C. 371 or 1029 ( b ) ( 2 ) ( conspiracy ), 18 U.S.C. 1344 ( bank fraud ) if a Visa merchant account ; 18 U.S.C. 1341 ( mail fraud ) if the United States Postal Service was used to execute the fraud on the credit card issuer ; or 18 U.S.C. 1343 ( wire fraud ) if interstate wiring was the means of executing the scheme to defraud. See United States v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( as counterfeit access device ), vacated in part on other grounds, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( en banc ), cert. denied, sub nom. XXXX XXXX United States, XXXX XXXX XXXX ( XXXX ) ; United States XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( bank fraud ) ; United States XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( mail fraud ), XXXX. and suggestion for XXXX. en banc denied ( XXXX ) ; United States XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( mail fraud ) ; United States v. XXXX, XXXX XXXX XXXX ( XXXX Cir. ) ( wire fraud ), cert. denied, sub nom. XXXX v. United States, XXXX XXXX XXXX ( XXXX ). For example, in XXXX the defendants were charged under the bank fraud statute with a large-scale scheme to obtain money by paying merchants for fraudulently processing counterfeit credit card transactions for numerous fraudulent telemarketers. The court specifically noted that while the defendant 's conduct clearly violated the bank fraud statute, the enactment of 18 U.S.C 1029 ( a ) ( 7 ) would now provide an explicit prohibition against this type of conduct. [ NOTE : For Federal jurisdiction, all 18 U.S.C. 1029 ( a ) ( 1 ) - ( 7 ) offenses must " affect interstate or foreign commerce. '' ] 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts * U.S. Code * Notes prev | next ( a ) One-call fraud alerts ( 1 ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.

( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and ( B ) provide to the consumer all disclosures required to be made under section 1681g of this title, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ). 
( b ) Extended alerts ( 1 ) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : XXXX XXXX XXXX XXXX XXXX XXXX and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or XXXX XXXX XXXX has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for 10 years. 

You have a right to obtain a copy of your credit report from a credit bureau. You XXXX be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. 

You have a right to sue a credit repair organization that violates the XXXX XXXX XXXX XXXX. This law prohibits deceptive practices by credit repair organizations. 

You have the right to cancel your contract with any credit repair organization for any reason within XXXX business days from the date you signed it. 

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact : The XXXX XXXX XXXX Federal Trade Commission Washington, XXXX XXXX.