Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
I have been submitting complaints to the CFPB attempting to correct my credit report and fix errors on my credit report since XX/XX/XXXX with Experian. I am sure the CFPB will find that I have about 4 complaints submitted against Experian. Experian has failed too properly investigate my credit report and make the necessary changes to my credit report. Experian continues to leave inaccurate and false information onto my consumer report which has caused a substantial financial loss to me, which has denied me credit and housing. Experian has failed to follow the laws that Congress has put in place to protect consumers like me. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( A ) States " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX are all financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' Again, I am the consumer, the financial institution that were mentioned above and the ConsumeXXXX reporting agency Experian did/do not have my consent neither have they EVER had my consent to furnish this information, and they surely did/do not have my written consent. Any and all consent to Experian, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' FIRST, Experian is a non-affiliated third party. They are not affiliated with any of the above-mentioned financial institutions let that be known.

These financial institutions, ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. All these companies are in direct violation of the Privacy Act of 1974. I demand that Experian maintain reasonable procedures and follow the law that Congress has in place. I expect the CFPB to hold these companies accountable for abusing the law.

All those accounts mentioned above MUST be removed from my consumer report immediately. 

XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX are reporting to my consumer report without written permission. They are also in direct violation of 15 USC 1681 section ( 604 ) ( a ) section ( 2 ). These collection agencies mentioned above have opened up accounts with my name on it and have been reporting a balance onto my consumer report stating that I owe, this appears to be identity theft.

15 USC 1681 ( a ) ( 3 ) states Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Experian is a credit reporting agency, and they have assumed ( which means they have no legal right ) just like the law states, a vital role in assembly and evaluating consumer credit and other information wrongfully onto my consumer report. They have no right to report whatever they want onto my consumer report.

These financial institutions and collections have been reporting onto my consumer report late payments, which is illegal according to 15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1666b ( a ) which states : ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. 



Experian has become a repeated offender by reporting this information constantly with no consequences when XXXX XXXX XXXX  was sued for XXXX XXXX dollars by the CFPB for the same exact violations, reporting late payments on to consumers credit report. Experian should not get away with doing the same thing. 

Therefore, I demand that all collection accounts mentioned above, and financial institutions mentioned above be deleted. This is the law. They have been in violation of 1681e ( b ).

It's also been shown in the 10K reports that these companies have been selling my information on the secondary market leaving me vulnerable. These companies have not protected my privacy while furnishing fraudulent credit reports. Experian has been selling my information on the XXXX XXXX exchange without my permission according to their financial reports published on their website. 

Experian have committed fraud while violating many codes and laws as I have expressed above. These companies should not be getting away with doing this. Laws are put in place for a reason. As a consumer I do not feel like my rights are being protected and the CFPB should not allow these companies to report or do whatever they want. Everyone and every company should be subjected to the law. XXXX is the only reporting agency who has responded to my letters and removed all adverse items. They have complied with the laws and maintained reasonable procedures. Experian and Transunion have not followed suit in doing what's right. All 3 of my reports MUST match and they do not. They are all completely off, while my personal information has been exposed on the dark web, people have tried to hack several of my accounts potentially due to inaccurate reportings and reporting my nonpublic information.

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