Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have made TRANSUNION aware of what I am disputing and they keep responding with items have been verified as accurate. The law states that if they claim the items are accurate, CRA must provide the persons name, phone number and address who verified the information. TRANSUNION has never provided this information to me.

After reviewing my consumer credit reports I have found the following violations of my privacy and consumer rights. I never gave any consumer credit reporting agency consent to report nor did I ever receive an opt-out of reporting option from any of the Corporations listed in this dispute or the Consumer Credit Reporting Agency TRANSUNION XXXX I have filed multiple disputes with TransUnion CRA asserting my right to privacy and my opt out rights. TransUnion continues to ignore the proper reasoning for my disputes and continues to respond with verification responses. I AM NOT DISPUTING VALIDATION OR VERIFICATION! 


TRANSUNION IS NOT RESPONDING TO MY RIGHTS TO PRIVACY NOR MY RIGHT TO OPT OUT OF NEGATIVE REPORTING WHEN I WAS NEVER GIVEN THE PROPER OPT OUT OPPORTUNITIES or DISCLOSURES. 

I OPT OUT OF THE FOLLOWING ITEMS BEING REPORTED ON MY CONSUMER CREDIT REPORT ( They are not mine, I never filed Bankruptcies back to back ) XXXX XXXX BANKRUPTCY REF # XXXX XX/XX/XXXX XXXX XXXX BANKRUPTCY REF # XXXX XX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

In accordance with consumer protection laws, consumer reporting agencies need my written consent to add anything to my consumer report. I did not give this authorization to add any hard inquiries which is a violation of the Fair Credit Reporting Act. 
P.L 90-321 ( 82 Stat. 146 ) which is law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) According to the U.S. Dept of Justice website : PRIVACY ACT OF 1974 A. The " No Disclosure Without Consent '' Rule 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 [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

If TRANSUNION is going to report my information it must be reported in accordance of Federal Laws Per the FCRA as a federally protected consumer I am now opting out of any negative credit reporting on my consumer credit report. I opt out of reporting any personal information that is not mine or connected to me. I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal per 15 usc 1682. ( see Exhibit XXXX  and Exhibit XXXX enclosed ) NOTE : Not only has my privacy been violated, I have the right to opt-out-of any negative reporting on my consumer report. I was never given an option or form to opt-out of negative reporting in accordance with Federal Law 15 USC 6508, 16 CFR 313.7. ( see Exhibit XXXX  and Exhibit XXXX enclosed ). This has been an ongoing dispute issue with TransUnion. I am continuously being violated by this CRA. 


I have attached the federal laws of how my rights are being violated everyday. 

PLEASE NOTE THIS IS NOT A VERIFICATION OR VALIDATION DISPUTE! 




Thanks XXXX XXXX XXXX XXXX XXXX XXXX