Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention certain discrepancies and violations of federal laws related to consumer reporting, specifically governed by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, 15 U.S. Code 6802, and 16 CFR 313. I request your assistance in rectifying the issues outlined below. Requesting {$1000.00} each of which is {$3000.00} I am opting out of any and all obligations to Report to any and all third parties!

15 U.S.C. 1681 a 1 ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. 


They are in violation of Privacy Act of 1974 Violation Per 15 USC 1681 ( b ) - Reasonable Procedures : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Requesting {$1000.00} Violation Per 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Consumer reporting agencies are allowed to furnish consumer reports only under specific circumstances, as outlined in this statute. I bring to your attention subsection ( a ) ( 2 ), which emphasizes that such reports may be provided only in accordance with the written instructions of the consumer to whom it relates. Requesting {$1000.00} Violation 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods Requesting {$1000.00} Violation Per 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information : Reaquesting {$1000.00} Violation Per 16 CFR 313 - Privacy of Consumer Financial Information : Requesting {$1000.00} I have identified discrepancies in my consumer reporting information that require immediate attention. I request the following actions : A XXXX off is a certificate of indebtedness in which is considered income and must be removed! 
Removal of all Non-Mailable Addresses Removal of All Inquiries Removal of All Collections Removal of All Late Payments Removal of Utilization Percentages Removal of Employment Information Removal of All Charge Offs Removal of All Fraud Victim Alerts Update all history to paid as agreed XXXX Account XXXX : Remove Fraud Victim " Extended Alert '' Account : Reported Date : XX/XX/XXXXXXXX XXXX XXXX  Expiration Date : XX/XX/XXXX Remove Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Charge-off : {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX CT XXXX XXXX, XXXX XXXX XXXX CA XXXX Account Number : XXXX Charge-off : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Charge-off : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Charge-off : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : Not more XXXX XXXX payments past due, Paid and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Collection : {$580.00} XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Account Number : XXXX # # # # XXXX XXXX Collection Account : {$1500.00} TransUnion Account XXXX : File Number : XXXX Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Employment XXXX XXXX XXXX XXXX XXXX Remove Phone Number : ( XXXX XXXX XXXX Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Account Number : XXXX Collection : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Account Number : XXXX Collection : {$1500.00} Remove Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information : Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Accounts XXXX XXXX Account Number : XXXX Collection : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX - XXXX Remove Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request a thorough investigation into the accuracy of the above information and prompt corrective actions to bring my consumer reports into compliance with the FCRA and other relevant laws 15 U.S. Code 1681 - Congressional findings and statement of purpose, Requesting {$1000.00} 15 U.S. Code 6803 - Disclosure of institution privacy policy, Requesting {$1000.00} Per 15 U.S. Code 1681n - Civil liability for willful noncomplianceRequesting {$1000.00} Publication XXXX XXXX. No. XXXX Canceled Debts, Foreclosures, Repossessions, and Abandonments.Charge offs are considered debt per IRS Publication 15 U.S. Code 1692e - False or misleading representations- Collection accounts- Requesting {$1000.00} I am requesting {$1000.00} per violation a total of {$12000.00} Please have all three credit reporting agencies to send to me the {$12000.00} each 15 U.S. Code 6805 - Enforcement U.S. Code Federal Trade Commission

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