Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Subject : Privacy Violation and Request for Verification or Removal of Inaccurate Accounts Dear TransUnion, I am writing to bring to your attention a serious violation of United States Code Law , specifically 15 U.S. Code 1681a ( 4 ), which guarantees consumers the right to privacy. It has come to my attention that you have been reporting fraudulent accounts that do not belong to me, thereby infringing upon my privacy rights. Congress has affirmed my authority to determine what information I consider private, and in this case, I deem my hard inquiries and account information to be private. Therefore, I explicitly state that I do not want this information shared on my credit report. 
Your current reporting practices fall under the category of misleading and false reporting, violating the provisions of the Fair Debt Collection Practices Act ( FDCPA ) 807. The information you are reporting would lead future creditors to believe that I have applied for numerous inquiries and accounts when, in reality, it was the work of scammers. This misleading reporting is in violation of the FCRA laws for fairness since you can not verify the accuracy of these reported items, as you did not witness me signing for these inquiries or accounts.

By willfully accepting credit information about me without personally verifying its authenticity, you are in violation of 15 USC 1681n, which holds you liable for willful noncompliance. The penalty for willful noncompliance can amount to {$1000.00} per violation. Additionally, your sharing of my information with multiple creditors without obtaining my consent beforehand makes you criminally liable for aggravated identity theft under 18 U.S. Code 1028A, which carries a potential punishment of up to two years.

Furthermore, under 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ), you failed to disclose my right to opt out of sharing this information. This lack of transparency is deceptive, as you neglected to inform me about the option to exercise a nondisclosure choice. I feel that my consumer rights have been violated, and I have been taken advantage
of.

Your practice of furnishing inaccurate inquiries and accounts, presenting them as accurate when they were never validated according to GAAP, violates the FDCPA 8012. Consequently, you are unable to ascertain the accuracy of these accounts, yet you proceeded to report this inaccurate information.

Moreover, you reported that I owe a " debt, '' yet my credit report does not show any negative balances. There are only positive balances indicated. This discrepancy between claiming I owe a " debt '' while reporting positive balances is highly deceptive.

Your actions also contravene 15 U.S. Code 1692f, which prohibits unfair practices by debt collectors. This section explicitly states that a debt collector may not collect any amount, including interest, fees, charges, or expenses unless 1 of 3 expressly authorized by the agreement creating the debt or permitted by law. Therefore, there is no legal obligation for me to pay a bill.

Additionally, using any language or symbol other than the debt collector 's address on envelopes when communicating with a consumer by mail or telegram, as outlined in 15 U.S. Code 1692f ( 8 ), is a violation. Sending letters with a logo instead of your address indicates that you are a debt collection business, thus violating this provision.

As defined in 15 U.S. Code 1602, " person '' refers to both natural persons and organizations, while " credit '' is defined as the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2, your agency is in violation for furnishing inaccurate information regarding me, the consumer. Despite my notification of this inaccuracy, you continued to report it on my credit report.

I want to emphasize that as the original creditor, I do not grant you the right to defer any payments to me, as stated in 15 U.S Code 1681a ( 4 ) regarding the consumer right to privacy. Reporting highly private matters on my credit report infringes upon the FCRA, which grants me sole authority over matters I deem private. In this case, information about where I applied and who I owe money to is highly private. By sharing this information, I have developed severe paranoia, which necessitates medication. Therefore, you are liable for all damages resulting from your illegal activities.

Your actions have also caused me to feel harassed and abused, as I have already contacted the creditors and informed them of the inaccuracies, yet they continue to report negatively on my credit report without my consent. Each time I check my credit report and see these inaccurate items, I feel greatly abused. Additionally, creditors persistently contact me regarding these unverified " debts, '' causing significant harassment.

It is important to note that identity theft, as defined in Section 1581a ( 3 ), refers to fraud committed using another person 's identifying information. These creditors illegally obtained my information without my true consent and used it to obtain credit from other financial institutions. This constitutes identity theft.

Furthermore, under 15 U.S. Code 1692b ( 2 ), debt collectors are not allowed to state to any person other than the consumer that such consumer owes any debt. However, these debt collectors contacted third-party credit reporting agencies with my information, including my address, and falsely informed them that I owed a " debt, '' which they reported to my credit report illegally.

The reporting of " late payments '' on my credit report, despite the absence of a definition for " late payment '' in the relevant laws such as the Truth in Lending Act ( TILA ), FCRA, or FDCPA, is highly inaccurate and deceptive. Your responsibility is to report only accurate information in compliance with FCRA laws.

According to 15 U.S. Code 1605, a finance charge is defined as the sum of all charges in a consumer credit transaction. Your current reporting practices should align with this definition.

Your furnishing of bad debt to my credit report not only damages my reputation but also amounts to defamation of character. This is in violation of 15 U.S. Code 1692d ( 1 ). I have attached my consumer report as evidence.

Under 15 U.S. Code 1681s-2, your agency is in violation for furnishing inaccurate information about me, the consumer. Despite my communication regarding this inaccuracy, you proceeded to report it on my credit report. 
As the original creditor, I, XXXX XXXX, did not consent to, authorize, nor benefit from any of the inquiries or accounts mentioned. These entries are inaccurate, and I demand that you block and remove them. I have already filed a complaint with the FTC, which is attached. My identity was stolen, resulting in fraudulent activities. 
I request that you promptly verify or remove the following account : XXXX of XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX XXXX  XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
As a consumer, I demand that these inaccurate accounts be deleted immediately. Failure to do so may result in legal action seeking monetary damages in a small claims court in my jurisdiction. I have already involved and sent this letter to the Consumer Financial Protection Bureau, the Attorney General XXXX XXXX, the Better Business Bureau, and the Federal Trade Commission. The erroneous result of the XXXX data breach directly violates 15 U.S. Code 1681 by reporting incorrect information. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX of 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