Consumer complaint received 2024-07-06 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: CA

Complaint narrative:
Subject : Opt-Out Notice, Request for Verification of Accounts, and Compliance with Federal Regulations Dear Sir/Madam, I XXXX XXXX a federally protected consumer am writing to formally request the following actions regarding my consumer credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC 6801, and 15 USC 6802, as well as noting a potential breach under the 1974 Privacy Act.

Opt-Out Notice : I hereby revoke any authorization, whether verbal, non-verbal, written, or non-written, for the reporting of my non-public personal information to any third party, pursuant to 15 USC 6801 which protects non-public personal information from unauthorized disclosure. 

Request for Verification : I request irrefutable proof that all negative accounts currently being reported on my consumer report comply with federal guidelines, as set forth in 15 USC 6802 ( B ) and ( C ) : ( B ) Ensure that I was given the opportunity, before the initial disclosure of such information, to direct that it not be disclosed to third parties. 

( C ) Provide an explanation of how I can exercise the option to prevent such disclosures. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 


Privacy Act Concern : I am concerned that my rights under the 1974 Privacy Act may have been breached. I request information on any disclosures made under my name that were not authorized by myself directly. 

Please provide the following information within 30 days from the date of this letter, as mandated by the FCRA. If you are unable to provide this information within the specified timeframe, please remove the disputed accounts from my consumer report until such time as you can provide the requested verification. 


Also remove all personal information from my consumer report. my current address is XXXX XXXX XXXX # XXXX XXXX Ca, XXXX all other address are non mailable and must be removed from my credit report.

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