Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, My name is XXXX XXXX XXXX, and I am submitting this complaint as a demand to immediate removal of unauthorized information from my consumer report. I gave no form of expressed or implied consent for them to use my name, likeness, or credit data. Transunion has been reporting a bankruptcy XXXX from XXXX I have no contract with Transunion of any sort. I gave no implied or expressed consent to Transunion to furnish any type of private information or any information from that has been sourced or furnished from a third party. I have signed any agreement or contract with any third party giving express or implied authorization to furnish any information. 
Additionally, this negative information violates the Fair Credit Reporting Act ( FCRA ) 15usc 1681 ( a ) ( 4 ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
They have reported my private information to the consumer reporting agencies without my consent. I do not have a contract with Transunion, XXXX or XXXX and is a non affiliated 3rd party. The previously 3 mentioned Consumer reporting agencies started reporting inaccurate date when I turned XXXX. XXXX XXXX has deprived and violated my privacy. 

Furthermore, I have sent Transunion several correspondence regarding this matter and they continued to report this information. I submitted a written statement from the Supreme Court stating they do not furnish any information to the consumer reporting agencies, has deprived me off my right to privacy. 
given my private information as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX XXXX to ensure that the information they report is accurate, complete and up-to-date Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} }, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. 
I have requested and demanded that they show proof that we have a contract where both parties agreed after a meeting of the Minds, an offer, acceptance and consideration was given. Transunion has not provided said contract or any agreement showing that I authorized them to furnish information. I again demand bona fide proof I agreed by submitting an affidavit giving first hand personal knowledge & experience of the contract and that I that I gave expressed permission to furnish my information, under the penalty of perjury