Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting formal grievances regarding the unauthorized use of my consumer report by several entities, in-which the consumer reporting agencies have been notified. I request an investigation into their failure to provide proper authorization for the reporting of information to consumer reporting agencies. 

1. Lack of Authorization for Furnishing Information Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, no entity may obtain or use a consumer report unless it is authorized by law. As such, I request that the " Bureau '' and/ or Consumer Financial Protection Bureau ( CFPB ) require the consumer reporting agencies involved ( e.g., XXXX , TransUnion , XXXX ) to provide certificates of authorization for each instance where this consumer report was accessed or used by all companies listed upon the consumer report. Without this certificate or other lawful authorization, the use and authorize this consumer report for these companies constitutes a violation of my rights under FCRA. 

2. Consumer Reporting Agencies Duty to Verify Authorization Consumer reporting agencies are legally required to ensure that any entity furnishing information to a consumer report does so in accordance with the law. As outlined in 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information in the reports they issue. This includes verifying that the entities providing data to consumer reports are authorized and have obtained valid consent from the consumer. 

I request that the CFPB compel the consumer reporting agencies to : Produce the authorization certificates or any equivalent documentation that lawfully permits these entities to authorized this consumer report. 
Investigate any instances where such documentation can not be produced and take immediate action to remove unauthorized information from this consumer report, in accordance with 15 U.S. Code 1681i. 

3. Violation of My Consumer Rights By failing to provide validation of their authorization to report or furnish information on this consumer report, The companies in the notice given to the consumer reporting agencies are in violation of 15 U.S. Code 1681s-2, which governs the responsibilities of furnishers of information to consumer reporting agencies. Moreover, the FCRA explicitly prohibits unauthorized use or disclosure of consumer reports under 15 U.S. Code 1681b unless the consumer has given explicit permission or the use falls under other legally permissible categories. 

Until the aforementioned companies can produce a certificate of authorization or comparable proof, their reporting of information on my consumer report remains unauthorized. This violation not only undermines my lawful rights under FCRA but also raises significant concerns under 18 U.S. Code 241, which prohibits conspiracies to violate an individuals rights under federal law. 

4. Request for Corrective Action I formally request that the CFPB : Initiate an investigation into the consumer reporting agencies for allowing these companies to report without proof of valid authorization. 
Mandate the production of certificates or equivalent documentation that lawful for these entities to authorize this consumer report. 
Require immediate removal of any and all disputed information on this consumer report if the agencies can not produce valid authorization. 
Ensure compliance with all federal regulations, ensuring my rights as an American citizen under the Constitution and FCRA are fully upheld. 

The Fair Credit Reporting Act was enacted to protect individuals from unauthorized and erroneous use of personal information, and as a consumer, I expect full enforcement of these protections. I trust that the CFPB will take swift action to resolve these grievances and ensure my consumer rights are not infringed upon. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this request has been received and that an investigation will be initiated. 
Sincerely, XXXX XXXX XXXX, All Right Reserved.