Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
I, XXXX XXXX, am writing to formally address several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred regarding my credit report. I am requesting immediate attention to these issues, as they are not only affecting my credit standing but also my overall financial well-being. Below, I have outlined the specific violations I have identified, based on XXXX law, and the corrective actions I expect to be taken. 

XXXX. XXXX XXXX XXXX FCRA Section XXXX You accepted credit information about me without verifying its accuracy. Under FCRA Section XXXX, this constitutes willful noncompliance, which can lead to civil liability of up to {$1000.00} per violation. This failure to verify the accuracy of the information is not only legally wrong, but it has also harmed my credit report and my ability to access credit on XXXX terms. 

XXXX. Failure to Disclose Consumer Rights- FCRA XXXX XXXX ( d ) ( XXXX ) ( A ) You failed to inform me of my right to opt-out of the sharing of my personal information. This omission is deceptive and a violation of my consumer rights under FCRA Section XXXX ( d ) ( XXXX ) ( A ). As a consumer, I am entitled to know my rights, including the ability to limit the disclosure of my personal information, and you did not meet your obligations in this regard. 

XXXX. Furnishing Inaccurate Information - FCRA Section XXXX ( a ) ( XXXX ) Ive identified inaccurate inquiries and accounts on my credit report, which were reported without proper validation. This appears to be a violation of FCRA XXXX XXXX ( a ) ( XXXX ), and could also be a breach of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting inaccurate information is deceptive and undermines the integrity of my credit report. 

XXXX. Violation of Debt Collection Practices- Fair Debt Collection Practices Act ( FDCPA ) You engaged in unfair practices by reporting inaccurate debts and accounts on my credit report without my consent. Under the Fair Debt Collection Practices Act, this type of reporting is considered harassment. It has caused me undue distress, including unnecessary contact from creditors attempting to collect on debts I do not owe. 

XXXX. Improper Disclosure of Debt Information - Location Information Regulations Debt XXXX contacted third-party credit reporting agencies with my information, falsely stating that I owe debts. This is a violation of regulations that prohibit the disclosure of debt information to third parties without my consent. 

XXXX. Inaccurate Reporting of Late Payments - Timely Payments Regulations You reported " late payments '' on my credit report without clearly defining what constitutes a late payment. Without specific information or evidence of such late payments, these entries are both inaccurate and misleading. This violates the Timely Payments Regulations. 

XXXX. Incorrect Finance Charge Determination You failed to accurately calculate the finance charges associated with my accounts. Under the FCRA, it is your responsibility as a credit reporting agency to ensure that all reported information is accurate, including finance charges. 

XXXX. Unauthorized Access to My Credit Report - FCRA XXXX XXXX ( a ) ( XXXX ) Several entities accessed my credit report without a permissible purpose, violating FCRA XXXX XXXX ( a ) ( XXXX ), which governs the conditions under which my credit report can be accessed. I have identified instances where my credit report was accessed without my written consent or any valid reason. 

My Requests for Resolution : Given the above violations, I request the following actions be taken immediately : XXXX XXXX ( Account No : XXXX ) ** - Please update this account to reflect " Never Late '' under 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ), in accordance with reporting during XXXX guidelines. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Same as above, please update this account to " Never XXXX ''. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Same as above, please update this account to " Never XXXX ''. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Please provide validation of this debt under 15 U.S. Code 1692g. I request evidence of the original debt, signed contracts, and any documentation that shows the debt collector has the legal right to collect this debt. If this documentation is not provided, I demand that the item be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others- Please provide similar debt validation for all the accounts listed, including XXXX XXXX, XXXX, and XXXX, under 15 U.S. Code 1692g. If you can not provide the original signed contracts or evidence of the debt, these items must be deleted from my report. 
XXXX and XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX ) - Both of these entries were accessed without a permissible purpose. Please delete these items immediately under 15 U.S. Code 1681b ( a ) ( 2 ). 
I expect these violations to be resolved in a timely manner. If you fail to address these issues, I will have no choice but to take legal action, as permitted under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. I expect a prompt response and resolution. 

Sincerely, 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