Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ) states that consumer reporting agencies must exercise their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX, and Transunion are consumer reporting agencies, and I am the consumer. I have the right to ensure that my private information is not shared, which is supported by 15 USC 6801, which states that financial institutions have an affirmative and ongoing obligation to respect the privacy of their customers and protect the confidentiality of their nonpublic personal information.

As a financial institution, the ( Furnisher of information to credit agencies ) has a responsibility to report information accurately. Additionally, 16 CFR 433.2 prohibits the reporting of transaction history, and 16 CFR 433.3 states that if the contract was written after XXXX XXXX XXXX, it must apply. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option, which I was never informed about.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency can not include any adverse item of information, other than records of convictions of crimes that are more than seven years old, in a consumer report without the consumer 's permission. These accounts are an adverse item that they are reporting again without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Additionally, 15 U.S. Code 1681e requires every consumer reporting agency to maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. 

XXXX, XXXX, and TransUnion are not maintaining reasonable procedures, and since I have written several notices concerning my report, I would like to seek compensation on my behalf for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, willful injury, and financial injury. 
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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