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 dispute several inaccuracies and violations that have occurred on my credit report, and I hereby authorize this dispute. I want to make it clear that this dispute has been initiated by me personally and was not sent by an unauthorized third party or " credit clinic. '' Upon reviewing my credit report, I identified several significant violations of the Fair Credit Reporting Act ( FCRA ) that I need addressed immediately. These violations are listed below : FCRA Section 616 - Civil Liability for Willful Noncompliance : It appears that my credit information was accepted and reported without being properly verified for accuracy. This lack of verification violates the FCRA and is subject to civil liability of up to {$1000.00} per violation.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You failed to disclose my right to opt out of sharing my personal information, which is a deceptive omission and violates my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Inaccurate inquiries and accounts were furnished without proper validation. This violation could also extend to the failure to comply with Generally Accepted Accounting Principles ( GAAP ), which constitutes deceptive reporting. 

Violation of Debt Collection Practices Act : Ive noticed that you reported inaccurate debts and accounts without my consent, leading to unnecessary contact from creditors. This constitutes harassment and violates the Debt Collection Practices Act.

Violation of Acquiring Location Information Regulations : Debt collectors have contacted third-party credit reporting agencies, disclosing my debt information without my permission. This is in direct violation of regulations that prohibit sharing such information with third parties.

Violation of Timely Payments Regulations : I noticed that " late payments '' were reported on my credit report, without defining what constitutes a " late payment. '' This is deceptive and inaccurate, as it misrepresents my payment history.

Violation of Finance Charge Determination : There were discrepancies in how finance charges were reported, which violates the responsibility of credit reporting agencies to report accurate information. 

Violation of Credit Report Permissible Purposes : You reported certain information about me without obtaining my written consent, which violates the FCRA 's permissible purposes for accessing consumer reports.

Given these violations, I demand that immediate action be taken to resolve them. Below are my specific requests for corrections : XXXX XXXX ( XXXX ) **  Under 15 USC 1681i, I request that you update this account to reflect that the payment history is accurate, with no late payments. I believe this account was incorrectly reported. 

XXXX XXXX XXXX ( XXXX ) ** I request validation under 15 U.S. Code 1692g regarding the collection of this debt. Please provide proof of this debt, including the original signed contract or agreement, and any contracts between the debt collector and the original creditor. If this information is not provided, I request that it be removed from my credit report. 

XXXX XXXX  ( XXXX ) ** Similarly, I request validation under 15 U.S. Code 1692g. Please provide the original signed documentation for this debt, and if not validated, remove this item from my credit report. 

XXXX ( XXXX ) ** Please provide validation under 15 U.S. Code 1692g for this debt. If you can not provide the necessary documentation, this item must be removed. 

XXXX XXXX ( XXXX ) ** Again, I request validation under 15 U.S. Code 1692g. Provide proof of this debt and the original signed agreement. If you can not validate it, it must be removed. 

XXXX XXXXXXXX ( XX/XX/year> ) There was an unauthorized hard inquiry on my report. Under 15 USC 1681b ( a ) ( 2 ), I request that you delete this unauthorized inquiry from my credit report. 

XXXX ( XX/XX/year> ) Please delete this unauthorized hard inquiry as well, pursuant to 15 USC 1681b ( a ) ( 2 ). 

XXXX XXXX ( XX/XX/year> ) As with the others, I request that you delete this unauthorized hard inquiry under 15 USC 1681b ( a ) ( 2 ). 

Additionally, I request that all unauthorized and inaccurate accounts be removed from my credit report. 

Failure to comply with these requests will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act. I expect prompt resolution and a response within the timeframe set by the FCRA. 

Thank you for your immediate attention to this matter. 

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