Consumer complaint received 2025-01-21 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: AR

Complaint narrative:
XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Investigation and Resolution of Rights Violations Under FCRA, GLBA, and Related Regulations To Whom It May Concern, I am writing to formally request your assistance in investigating multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other relevant statutes, concerning the information reported on my TransUnion credit report. 

XXXX. Private and Nonpublic Personal Information Reporting : ** My TransUnion credit report contains multiple accounts that include my private, nonpublic personal information ( NPI ). This is a direct violation of 15 U.S. Code 6801, which mandates financial institutions to protect the confidentiality of consumers nonpublic personal information, and 15 U.S. Code 1681a ( 2 ) ( i ), which defines consumer report information that can not be disclosed without a permissible purpose. Furthermore, under 16 CFR 313, financial institutions are required to provide privacy notices and limit the disclosure of XXXX to third parties without explicit consumer consent. 

XXXX. Incorrect and Inconsistent Address Information : ** TransUnion has reported multiple addresses on my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Any other address listed is incorrect, non-mailable, and serves no permissible purpose under 15 U.S. Code 1681b. This statute explicitly restricts the procurement and use of consumer reports to cases with a legitimate and permissible purpose, and reporting outdated or irrelevant addresses constitutes a violation of this provision. 

XXXX. Inaccurate Employer Information : ** TransUnion has also reported multiple employers on my credit report. For clarification, I am currently employed at XXXX XXXX. Reporting of inaccurate employer data violates 15 U.S. Code 1681b, which limits the use of consumer information to specific, permissible purposes and prohibits the inclusion of inaccurate or irrelevant information. 

XXXX. XXXX Accounts XXXX : ** My credit report includes multiple charge-off accounts. According to the IRS, a charge-off is considered a certificate of indebtedness and is treated as income under IRS guidelines XXXX This means these charge-offs should no longer be reported as active debts. Their continued presence on my credit report violates the FCRAs requirements for accuracy and relevance in consumer reports ( 15 U.S. Code 1681e ).

**5. Unauthorized Hard Inquiries : ** There are XXXX hard inquiries on my credit report that violate 15 U.S. Code 1681b. This section specifies that hard inquiries must have a permissible purpose, such as consumer-initiated credit applications. These inquiries were made without my authorization and adversely affect my creditworthiness, further compounding the violations. 

**6. Unvalidated Collection Accounts : ** My credit report also includes multiple collection accounts that have not been validated as required by 12 CFR 1006.34. This regulation obligates debt collectors to provide a validation notice containing critical details, such as the amount of the debt, the name of the creditor, and information about consumer rights. Failure to validate these debts renders their reporting a violation of my rights. 


**Request for Immediate Action : ** I respectfully request the CFPB to : 1. Investigate the unauthorized reporting of private and nonpublic personal information by TransUnion under 15 U.S. Code 6801 and related statutes. 
XXXX. XXXX TransUnion to remove all incorrect addresses, employer details, and unauthorized inquiries from my credit report in compliance with 15 U.S. Code 1681b. 
XXXX. Ensure the removal of all charge-off accounts as they are no longer valid under IRS definitions and violate 15 U.S. Code 1681e.

4. Investigate and enforce compliance with 12 CFR 1006.34 to ensure that all collection accounts on my report have been properly validated.

5. Hold TransUnion accountable for compliance with FCRA, GLBA, and other applicable regulations.

6. Compensate me in the amount of \ {$5000.00} for the hardship and emotional stress caused by the denial of credit due to the inaccurate information reported by TransUnion. Per the FCRA, I am entitled to statutory damages of up to \ {$1000.00} per inaccurate item reported. 

Attached to this letter are relevant documents, including a copy of my TransUnion credit report highlighting the violations mentioned above. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to ensure that my rights are upheld and the inaccuracies in my credit report are corrected. Please do not hesitate to contact me at XXXX for any further information or clarification. 

Sincerely, XXXX 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