Consumer complaint received 2024-11-29 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 am addressing several serious violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws that have negatively impacted me. 

Inaccurate Credit Reporting : My credit information was reported without proper verification, which is a direct violation of FCRA Section 616. This willful noncompliance is subject to civil liability of up to {$1000.00} per violation. 
Failure to Inform Me of Opt-Out Rights : Under FCRA Section 603 ( d ) ( 2 ) ( A ), you were obligated to disclose my right to opt out of sharing my personal information. Your failure to do so was deceptive and infringed upon my consumer rights.

Deceptive Reporting Practices : In violation of FCRA Section 623 ( a ) ( 3 ), inaccurate inquiries and accounts were reported without proper validation. Such actions are misleading and fail to align with Generally Accepted Accounting Principles ( GAAP ). 

Harassment by Debt Collectors : Creditors and debt collectors have engaged in unfair practices, including reporting inaccurate debts and accounts without my consent, which caused me distress. These actions violate the Debt Collection Practices Act.

Illegal Disclosure of Debt : Debt collectors disclosed information about alleged debts to third-party credit reporting agencies in violation of regulations prohibiting the sharing of debt information to acquire location data.

Inaccurate Late Payment Reporting : Late payments were reported without providing a clear definition of what constituted a late payment. This is misleading and violates regulations regarding Timely Payments. 

XXXXmproper Finance Charge Determination : You failed to accurately calculate and report finance charges on my accounts, violating your responsibility as a credit reporting agency. 

Unauthorized Reporting Without My Consent : My credit information was reported without my written consent, which is a violation of the permissible purposes outlined in FCRA Section 604.

In addition, there are multiple inaccuracies on my credit report that I have specifically detailed. These include : Incorrect personal information. 
Unauthorized hard inquiries. 
Unverified debts. 
I have formally requested the correction or deletion of these inaccuracies under 15 U.S.C. 1681 and demanded validation of debts under 15 U.S.C. 1692g. I have also cited case law, including XXXX XXXX Trans Union Corp., to underscore the liability for willful noncompliance. 

I expect immediate action to address these violations, including updating or removing inaccurate entries, validating debts, and ensuring compliance with federal regulations. Failure to resolve this matter promptly will leave me no choice but to pursue all legal remedies available to me under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

This is my formal and authorized dispute.

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