Consumer complaint received 2024-04-21
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. (MI)

Subject : Demand for Correction and Compliance : Reporting Violations on Credit Reports Dear Consumer Financial Protection Bureau, I am writing to highlight significant inaccuracies and violations regarding my credit reports managed by TransUnion, XXXX, and XXXX. These issues contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Truth in Lending Act ( TILA ), adversely affecting my credit score and causing undue financial detriment. 

**Specific Issues and Corresponding Legal Violations : ** 1. **Unauthorized Hard Inquiries : ** My credit reports list 41 hard inquiries that were made without my consent. This is not fair nor is equitable to me. This practice violates the FCRA, specifically under 15 USC 1681a 2 ( A ) i, which mandates that information can only be included in a consumer report if it involves a transaction with the consumer that the consumer authorizes. 

2. **Incorrectly Reported Late Payments and Account Misreporting : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. : ** This account is closed and continues to report late payments incorrectly, which constitutes a breach of 15 USC 1666 ( b ) of TILA. This section stipulates that payments can not be deemed late under certain predefined conditions, all of which apply in this situation. 

3. **Inaccurate Listings of Closed or Non-Existent Accounts : XXXX XXXX XXXX XXXX XXXX : ** Reports a charge-off from XX/XX/2021, inaccurately. This potentially violates the FCRAs requirement under 15 USC 1681e ( b ), which obliges credit reporting agencies to ensure maximum accuracy of reported information. 
- **Collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : ** XXXX XXXX XXXX XXXX accounts without proper validation or my authorization to disclose my information contravenes 15 USC 6802 of the GLBA, which requires financial institutions to protect the privacy and security of consumer financial information, ensuring disclosures are made only after proper notice and consent. 

**Demand for Immediate Action : ** - **Removal of Unauthorized Inquiries and Incorrect Listings : ** Immediate removal of all unauthorized hard inquiries and correction of any misrepresented closed account data as mandated by the FCRA and TILA. 
- **Verification and Compliance Review : ** Conduct a thorough investigation into the reported late payments and collections to confirm their accuracy and compliance with legal standards, specifically the FCRA and GLBA. 
- **Documentation and Confirmation of Compliance : ** Following corrections, I request comprehensive documentation confirming these changes and ongoing compliance with FCRA , GLBA, and TILA standards. 

The wrongful inclusion of these entries and the ongoing reporting of inaccuracies not only undermine my financial integrity but also suggest a significant breach of established consumer protection laws. These issues require urgent attention to correct and prevent further harm to my financial health. 

I appreciate your prompt resolution of these matters, ensuring that my rights under pertinent consumer protection statutes are upheld. 

Thank you for your attention and cooperation. 

Sincerely, XXXX XXXX XXXX Email : XXXX [ Address and phone number omitted for privacy ]