Consumer complaint received 2024-11-20 00:00:00
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.
State: VA

Complaint narrative:
I, XXXX XXXX, am disputing several serious violations that I believe have occurred under the Fair Credit Reporting Act ( FCRA ). These violations involve inaccurate reporting, improper handling of my personal information, and failure to comply with established laws regarding credit reporting and debt collection. 

First, Section XXXX of the FCRA outlines civil liability for willful noncompliance, and I believe that credit reporting agencies accepted and reported inaccurate information about me without verifying its accuracy, which violates this section. If this is the case, I am entitled to seek compensation up to {$1000.00} per violation. 

Additionally, under Section XXXX ( d ) ( XXXX ) ( A ), the law mandates that I be informed of my right to opt out of sharing personal information, and I was not provided with this disclosure. This omission is deceptive and violates my consumer rights. 

I also claim a violation of Section XXXX ( a ) ( XXXX ), which requires that information reported to credit bureaus be accurate. The credit reports contain inaccurate accounts and inquiries, and these were not properly validated. Such misreporting may also violate XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is a form of deceptive reporting. 

Another serious issue involves violations of the Fair Debt Collection Practices Act ( FDCPA ). Debt XXXX have been reporting inaccurate debts and accounts without my consent, leading to unnecessary harassment. This type of activity is not only unlawful but also distressing. 

I also identified issues with regulations concerning acquiring location informationdebt XXXX have disclosed my information to third-party credit reporting agencies, which is prohibited under the law. 

Furthermore, timely payments regulations were violated when " late payments '' were reported without clearly defining what constitutes a late payment. This practice is both deceptive and misleading. 

Under FCRA Section XXXX ( credit report permissible purposes ), my credit report was updated without my written consent, which violates the rules for when and how information should be reported. 

To resolve these issues, I have formally requested that the credit reporting agencies correct the false information, validate debts under 15 U.S.C. 1692g ( Validation of Debts ), and cease reporting inaccuracies until verification is provided. If validation is not provided, I am demanding the removal of these items from my credit report immediately. 

Failure to act on these disputes will leave me with no choice but to pursue legal action for violations of the FCRA and FDCPA. I have made it clear that I expect a prompt resolution, and if these matters are not resolved quickly, I will pursue all available legal remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief