Consumer complaint received 2024-02-23 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: MI

Complaint narrative:
Credit Reporting Agency, Transunion has had several attempts to remove the inaccuracies as advised per the FCRA, that a consumer has to dispute any inaccuracies on the consumers report. Transunion has been provided with disputes on their portal website, through the CFBP and has in their efforts not investigated this account accuracy, only verifying my name and address on file. Transunion has been provided with the violations under the FCRA, in which they are currently under violation. Transunion has furnished my consumer report, after being advised that the account " XXXX XXXX '' is income. The company has verified to me that the account has been " Charged OFF ''. It is a fact that a company who charges off an account must report the information to the IRS giving notice to the IRS, so that any being may properly file and access their personal income taxes. Transunion has been provided with this information and has only verified the personal account information as indicated; such as, name and address and have not properly did an investigation. The FCRA advises that the consumer report shall have all accurate information and in the event that it does not any inaccuracies shall be removed. XXXX XXXX provided that the account is no longer in collections that it is in recovery. I was also advised that XXXX XXXX has charged off the account and has sent the account to their collection agency. XXXX  XXXX collection agency has not sent any letter for me to verify the accuracy of the alleged debt that the FCRA requires giving the consumer 30 days to do so. Transunion has not sent any disclosures prior upon allowing the furnishing of this information to my consumer report and are under violation 15 U.S code 1681, 15 U.S code 1681b. In regards of the XXXX XXXX account, Transunion can only furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates, Transunion is in violation under this law, 15 U.S code 1681b ( 2 ). Transunion has never received written instructions from me to furnish information regarding " XXXX XXXX '' to my consumer report. I demand this information be removed from my consumer report effective immediately. Transunion has been given several opportunities to correct these inaccuracies and has breached their obligation per the FCRA on what can and can not be reported and how information can be furnished only if the consumer gives consent in writing first. XXXX  XXXX company does not have permission to furnish my report and any third party non-affiliate that XXXX XXXX may sell my information too without my consent does not have permission within my rights of privacy under the privacy act of 1974.

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