Consumer complaint received 2024-03-14
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. (TN)

While checking my most recent credit report, I noticed that there are non-mailable addresses, names and old employers that are currently reflecting on my credit report. I am writing this letter due to the inaccurate information that is being reported from XXXX, XXXX and TransUnion. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Yet, all three credit bureaus have consistently violated my federally protected consumer rights to privacy per the Privacy Act of 1974 ( 5 U.S. Code 552a ) which states I have the right to privacy. 15 USC 6802 ( b ) ( c ) states that, A financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. 15 USC 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that, A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Any and all consent to XXXX, XXXX, and TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

All adverse reporting on my consumer reports have caused me pain and suffering, emotional and financial damage, defamation of my character, and humiliation. The law says that I can request {$1000.00} for each violation Section 15 U.S. Code 1681n. 

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 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 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 XXXX Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand XXXX, XXXX, and TransUnion to produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.