Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
On XX/XX/year>, a complaint was made against Transunion and XXXX XXXX XXXX for inaccurate credit reporting. Upon completion of the complaint on XX/XX/scrub>XXXX XXXX XXXX XXXX  recalled the account and the reporting was removed from ALL bureaus including Transunion. On XX/XX/year>, Transunion advised the account is not currently reflecting on my credit reporting and a letter was mailed to my address on record. On XX/XX/year>, I received an important notice alert from Identify XXXX advising a new trade line listed as XXXX XXXX XXXX was added to my Transunion report. The original creditor is XXXX XXXX XXXX and XXXX XXXX XXXX is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. Transunion has constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified.. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Now, I have limited faith in Transunion accuracy reporting due to the exposure of my personal information after verbally OPTING out of sharing with non-affiliated third parties. 16 CFR 313.7 ( f ) I have the right to opt-out at anytime. 16 CFR 313.10 states you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless the consumer was provided a reasonable opportunity to respond. Please remove I C SYSTEM trade from my credit report. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX XXXX XXXX violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. XXXX XXXX XXXX is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector in which whom bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. 
Transunion is in violation and must provide a payment of {$5000.00} to the address on record. 15 U.S.C 1681 section ( 602a ) states, I have the right to privacy. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.

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