Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
On XX/XX/XXXX 2024 Trans Union LLC provided unauthorized personal information from myself to XXXX XXXX XXXX as I initiated a request with ONLY XXXX XXXX  XXXX  for the rights to the principals credit and shockingly I learned from reading the denial letter from XXXX XXXX  stated that they were not able to extend me credit based on the information that was obtained from Transunion LLC located at : XXXX XXXX XXXX XXXX, PA XXXX This has caused me harm as this unauthorized information from Trans Union LLC as a third-party entity has violated my rights to credit through the EQUAL CREDIT OPPORTUNITY ACT as I have exercised in good faith, that I am the age of majority, over XXXX, to contract into a legally binding contract. 

This is also a violation of my privacy under THE PRIVACY ACT OF 1974. 

On Page 1 of Trans Union LLC Prospectus report, in the section labeled Overview, it stats the following in the second sentence : WE MAINTAIN CREDIT DATA ON MILLIONS OF CONSUMERS AND SERVE TOUSANDS OF CUSTOMERS WORLDWIDE. WE COMPILE PAYMENT HISTORY, ACCOUNTS RECEIVABLE INFORMATION, AND OTHER INFORMATION SUCH AS BANKRUPTCIES, LIENS AND JUDGMENTS FOR CONSUMERS AND SMALL BUSINESSES, AND MAINTAIN REFERENCE DATABASES OF CURRENT CONSUMER NAMES, ADDRESSES AND TELEPHONE NUMBERS. WE OBTAIN THIS INFORMATION FROM THOUSANDS OF SOURCES, INCLUDING CREDIT-GRANTING INSTITUTIONS AND PUBLIC RECORD DEPOSITORIES. WE ENHANCE OUR DATA AND SERVICE OFFERINGS THROUGH ACCESS TO OTHER UNIQUE DATABASES OWNED OR MAINTAINED BY THIRD PARTIES. 

By them doing this is clearly a violation of 615 ( f ) ( 1 ) FAIR CREDIT REPORTING ACT which states : No person shall sell, transfer for consideration, or place for collection under 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) that the debt has resulted in identity theft. The National Public Data Breach of Social Security numbers that took place on XX/XX/XXXX2024 is evidence of identity theft that has taken place due the storage of my personal information and transferring of it as well. 

This is also a violation of U.S.C. 1006.18 FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIVE OR DECEPTIVE MEANS TO COLLECT OR TO ATTEMPT TO COLLECT ANY DEBT OR OBTAIN INFORMATION CONCERNING A CONSUMER. 

On page 22 of their prospectus report under the section labeled : XXXX in debt agreements restrict our business in many ways says : The indenture governing the exchange notes and our senior secured credit facilities contain various covenants that limit our ability and /or among other things.

Such as : * sell assets and capital stock of our subsidiaries.

*enter into certain transactions with affiliates.

Which this is definitely a violation of U.S.C. 1006.18 FALSE, DECEPTIVE, OR MISSLEADING REPRESENTATIVE OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT TO COLLLECT AND DEBT OR OBTAIN INFORMATION CONCERNING A CONSUMER. These violations have truly caused harm to me by influencing and neglecting me from my principal, XXXX XXXX, credits as CONSTITUTION OF THE UNITED STATES clearly states that I am the beneficiary of the principal 's rights, titles, equity, and interest. 

In closing, I stand on the statements of the UNITED STATES CONGRESS which are the following : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. 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. 

THERE IS NO PROOF OF WRITTEN INSTRUCTIONS FROM THE CONSUMER, XXXX XXXX.

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 explanation