Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Complaint Regarding Privacy Law Violations and Reporting Inaccuracies I am submitting this formal complaint against TransUnion for significant concerns regarding potential violations of privacy laws, inaccuracies in credit reporting, and insufficient disclosure of consumer opt-out rights, as mandated by federal regulations.

Key Issues 1. Insufficient Disclosure of Opt-Out Rights TransUnion has not adequately disclosed consumers ' rights to opt out of information sharing, violating provisions under 15 U.S.C. 6802 ( b ) & ( c ) and 12 CFR 1016.7. Transparency in these disclosures is essential for consumer protection and informed decision-making.

2. Violations of the Fair Credit Reporting Act ( FCRA ) TransUnion appears to have breached key sections of the FCRA, including : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibiting the reporting of adverse information without proper authorization.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Obligating accurate furnishing of consumer information.

3. Privacy Act of 1974 Compliance TransUnions current privacy notices suggest potential non-compliance with the Privacy Act of 1974, particularly under 16 CFR Part 313 and 16 CFR 433.2, raising concerns over its privacy practices.

4. Identity Theft Protections Under 5 U.S.C. 552a, safeguarding personal information is critical. Mismanagement or misuse of consumer identity would constitute a serious federal violation.

5. Reporting of Transactional Information Financial institutions are prohibited from reporting certain non-public consumer information under 15 U.S.C. 6801. TransUnion 's reporting practices may infringe upon these regulations. 

6. Inaccuracies in Reporting The accounts listed below contain inaccurate information and fail to meet the standards for accuracy required by the FCRA. 

Accounts in Question Account Name : XXXX Account Balance : {$7300.00} Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Account Balance : {$10000.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : {$9700.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : {$29000.00} Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Account Balance : {$6500.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Balance : {$52000.00} Date Opened : XX/XX/XXXX Requested Actions Update All Accounts : Reflect accurate statuses, including paid as agreed, current, and open/never late. 

Correct Inaccuracies : Provide a copy of my updated credit report reflecting these changes.

Disclose Policies : Share detailed documentation of TransUnions opt-out policies and practices.

Expected Resolution I request written confirmation of the actions taken to address these issues within 14 days of this complaint. Thank you for your immediate attention to these concerns.

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