Consumer complaint received 2024-02-24
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. (NY)

CFPB I NEED YOU TO INVESTIGATE TRANSUNION! Thoroughly. 
Response to compliant XXXX COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 
According to the Federal law, you are required to respond within 30 days after receiving the dispute letter ; otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
Please note : you TransUnion are admitting to participating in the conduct of reporting of transactions from a non-affiliated third parties such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such actions without authorization by me the Federally protected consumer, indicate violations by you TransUnion. You TransUnion sent me my credit report and express that the information was accurate. Who gave you the authorization to contact any creditor/and or furnisher without my written consent? Please provide notarized signature proof that I gave you such authorization. Per 15 usc 1681 b section 604. 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. 15 U.S. Code 1681a ( i ) ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 
I have not given any authorization to any furnisher, creditors, not credit reporting agencies. related to any account opened by the principal. Pls adhere to what I am telling you and not what the furnishers are reporting. For those accounts are to the principal and they are asking for debt notes to pay a debt that is illegal. Im in the process of pursuing legal action against each furnisher. For they are operating in bad faith. As I am a non citizen national with full faith and credit that operates in good faith. I demand TransUnion to now to remove what I have asked them to remove without hesitation. Also the other agencies XXXX, XXXX have different reports they all Dont match. If such transactions were accurate they would match. Notice of dispute : I take my consumer reporting matters seriously and would appreciate this matter to be resolved promptly. Failure to address this dispute will lead to further legal action. Thank you in advance for your swift cooperation on this matter, I expect a timely response and resolution. TransUnion has been reporting consumer transactions to/from non-affiliated third party such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & remain inquires that were not approved! Inquires that brought my score down. Such violations indicate XXXX in non Compliance with the Fair Credit Reporting Act, the Privacy Act of 1974, 5 usc code 552a ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, amongst other violations of no. Compliance. Identity fraud, reporting consumer transactions unauthorized. This has cause major emotional and mental damage. I am looking to seek compensation. Also my consumer report from TransUnion has express how many transactions TransUnion has reported & or accepted illegally. Per 15 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.. Since TransUnion seems to be fine with speaking with non-affiliated third parties about my information may they relay my opt out to each creditor. It is also illegal for TransUnion to allow any creditors to take any peak at my consumer report without any authorization by me. 


Yours truly XXXX XXXX XXXX XXXX XXXX