Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
Transunion has been unfairly and inaccurately reporting 2 collections accounts on my credit report as well as an inquiry on my credit report. Accounts listed below : XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$580.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$790.00} Needs Attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Attached to this complaint will be the inquiry removal letter from XXXX XXXX XXXX .

This is my second time submitting this letter. XXXX XXXX has also mailed Transunion this letter. I will be filing suit against Transunion for disgregarding the inquiry removal letter.

Transunion is also not reporting accurately and in alignment with the other credit bureaus such as XXXX and XXXX. 
XXXX and XXXX removed all 3 of these accounts from my credit reports while Transunion is repeatedly failing to comply. Transunions owes me {$1000.00} per violation, per day which totals {$70000.00} according to 15 USC 1681n : Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Transunion has violated many FCRA consumer laws against me such as : 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Transunion is inaccurately reporting 3 accounts on my
credit report, while XXXX and XXXX has deleted months ago. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Transunion is inaccurately reporting 3 adverse accounts on my credit report.

12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods- ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( i ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.

Transunion failed to honor my opt out notice. 

I XXXX XXXX am opting out of any and all authorization given to report my information to a third party, credit bureaus, credit reporting agencies, and lenders. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 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 non-monetary relief