Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
This is now my third and final formal dispute with XXXX XXXX, and I am beyond fed up with your blatant disregard for federal law, fraudulent reporting, and reckless mishandling of my disputes. I have given you more than enough time to address these glaring violations, yet you continue to ignore my rights and conduct fraudulent, half-hearted investigations that resolve nothing. Your outright refusal to comply with federal and state laws, particularly the Gramm-Leach-Bliley Act ( 16 CFR Part 313 ), the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ), and the Fair Credit Reporting Act ( FCRA ) is not just negligenceit is willful misconduct that has directly harmed my financial stability, credit, and privacy. To make matters worse, XXXX XXXX. has fraudulently reported this account on my TransUnion credit report WITHOUT MY CONSENT. Not only is this unauthorized reporting a direct violation of FCRA sections 1681g ( e ) and 1681s-2, but it is also a clear case of false and misleading credit reporting. What is even more outrageous is that neither XXXX nor XXXX report this accountonly TransUnion. If this account were legitimate, it would be reported consistently across all three bureaus, yet TransUnion is the only one showing this false and unauthorized account. This further proves that XXXX XXXX. is engaged in fraudulent, deceptive, and illegal reporting practices. Despite my repeated disputes and clear objections, XXXX XXXX. has failed to take any meaningful action. You have never provided me the legally required opportunity to OPT OUT of sharing my personal financial information, which is a direct violation of both the Gramm-Leach-Bliley Act ( GLBA ) and New Jersey privacy laws XXXX Instead, you have recklessly mishandled my sensitive financial data, wrongfully reported a fraudulent XXXX account, and further added unauthorized information to my TransUnion credit reportcompounding your gross noncompliance with the law. Your utter failure to conduct a legitimate investigation and your blatant negligence in allowing false information to remain on my credit report are clear violations of FCRA section 1681e ( b ), which mandates maximum possible accuracy in credit reporting. Furthermore, it is evident that XXXX has no regard for identity theft protections under 15 U.S.C. 1681a ( q ) ( 3 ) or dispute-handling standards under 12 U.S.C. 5531. This deliberate noncompliance has caused me financial harm, emotional distress, and lasting damage to my credit. Let me be absolutely clear : XXXX refusal to address my disputes, its fraudulent reporting of a XXXX account on my TransUnion report, and its failure to remove unauthorized accounts from my credit file are flagrant violations of federal law. You are engaging in deceptive and unfair practices, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), and I will not tolerate it.

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