Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I have sent XXXX XXXX XXXX as Executive Vice President, Chief Financial Officer of TransUnion, a Cease & desist notice in regards to a specific account [ XXXX ] which is both under investigation for fraud and inaccurately impacting my creditworthiness. The account in question pertains to a vehicle purchase from XXXX XXXX, and its presence on my credit report is unjust and detrimental. The CFPB is currently investigating this matter due to fraudulent practices carried out by XXXX XXXX At the time of the vehicle purchase, the dealership failed to disclose the existence of a lien on the vehicle, which constitutes a clear violation of consumer protection laws, breaches of contract, deceptive practices & misrepresentation practices. In which I possess irrefutable evidence, including a Certified UCC-1 substantiating this claim. Not only that I have made a payment to XXXX XXXX in the full amount of [ {$50000.00} XXXX ] via registered mail, which is also being investigated because I have not yet received my title to my vehicle, please see the copy of the tracking number from the registered mail, which confirms delivery to XXXX XXXX on date XX/XX/2023. In addition to the fraudulent nature of the account, it is also reporting inaccurate information that adversely affects my creditworthiness. This misinformation is not only damaging but also fundamentally unfair. I refuse to allow my financial standing to be unjustly tarnished due to the deceptive practices of others. 
Furthermore, I have already submitted a request to opt out of the sharing of my non-public personal information with TransUnion in general as it is my right to privacy as a federal protected consumer anyway, but more importantly I need TransUnions immediate up most attention on opting out mainly pertaining to the specific account [ XXXX ] due to the fraud nature & investigation. 15 USC 1681 Section 602 ( A ), I am well within my rights as a consumer to ensure that my privacy is respected and that no private information is shared without my explicit consent. It is imperative that TransUnion, as a consumer reporting agency, upholds its responsibilities with fairness, impartiality, and respect for my privacy rights, as outlined in federal regulations. Under 15 USC 6801, it is mandated that financial institutions, including furnishers of information to credit agencies, protect the security and confidentiality of customers nonpublic personal information.

Also I have the right to opt out under 15 USC 6802 - 15 USC 6805, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Such accounts mentioned are adverse items & you are reporting again without my authorization which is designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Moreover, according to 15 USC 1681 Section 604 ( a ) Section 2, consumer reporting agencies may furnish consumer reports only in accordance with the written instructions of the consumer to whom it relates. Therefore, I am formally instructing TransUnion to cease and desist from reporting this fraudulent and inaccurate account on my credit report immediately. Failure to comply with this demand within a reasonable timeframe will leave me with no choice but to pursue legal action to protect my rights and seek redress for the damages caused by your continued reporting of this account.

I trust that the CFPB will take this matter seriously and act swiftly to rectify the situation. As I already tried to rectify this matter amicably with TransUnion already. Thank you for your attention to this urgent matter.

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