Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
As a conscientious consumer, I have diligently monitored my credit reports and have repeatedly encountered inaccuracies that demand immediate attention. Despite my efforts to rectify these issues through various channels, including phone calls and written correspondence, my attempts have been met with frustration and futility. As of today, XX/XX/XXXX I WAS DENIED MY XXXX PRIVATE BANKING ACCOUNT WICH IS STOPING ME FROM GETTING MY TRESURY DIRRECT ACCOUNT WHICH IS STOPING ME FROM WIRING MY SECURITIES AND MY FLOATING RATE NOTES SO I CAN DO MY PART IN FIXING THE DEFACIT LIKE A XXXX SHOULD THIS IS STOPING ME FROM GETTING A HOME MEDICAL TREATMENT, my accounts remain riddled with erroneous, un-mailable, and fraudulent information. 
Specifically, I have encountered discrepancies such as non-mailable addresses, multiple inaccurate iterations of my name, and errors concerning transactions and accounts. These inaccuracies not only tarnish my creditworthiness but also undermine my financial credibility and integrity. 
Under the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS : Except as provided in paragraph ( 3 ), the term consumer report does not include : ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter include payment history because it's my transaction with the line of credit that the person corporation extended to me, the consumer. 

Under 15 USC 1681b - the permissible purpose of consumer reports, the law clearly states : ( b ) 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. Did I give you written instructions to furnish this on my credit report? 

I implore the Credit Reporting Agencies to promptly update my reports with the correct and accurate information I have provided herein. Furthermore, I request that they furnish me with notice or documentation confirming the corrections made within a reasonable timeframe of 5-7 business days from the receipt of this affidavit.

As per 16 CFR 433.2 and 16 CFR 433.4, I am well aware of my rights to rectify errors and fraudulent reports regarding the reporting of my accounts. Moreover, I have not provided consent, either verbally or in written form, for the reporting of any transactions. Therefore, I demand that the Credit Reporting Agencies cease reporting the transaction history of my accounts and instead update my credit files to reflect " Paid as Agreed '' on accounts that have been charged-off or exhibit an inaccurate negative payment history. 
Additionally, I insist that accurate and in-good-standing accounts, boasting a 100 % on-time payment history, be updated to ensure uniformity across all three credit reports. I am also exercising my right to opt-out of reporting my information to third parties and promotional/solicitation activities effective immediately. 
Failure to comply with these directives may compel me to pursue legal recourse to seek redress for each and every violation, dating back to XXXX, at a rate of {$1000.00} per violation. I trust that the XXXXredit Reporting Agencies will take the necessary steps to rectify these issues promptly to uphold the integrity of their services and protect consumers ' rights. 
Transunion, XXXX and XXXX, are reporting transaction history for many of my account XXXX XXXX XXXX  and XXXX XXXX per the FCRA XXXX as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal. per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.. Under 15 U.S.C. 1681 Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions thank you for helping me set these frudulent companys straight

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