Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
Dear Sir/Madam, I disputed the accuracy of Transunions reporting on XX/XX/XXXX online which was more than 60 days ago. I also sent a follow-up dispute on XX/XX/XXXX which was received today on XX/XX/XXXX. Transunion decided to respond to my dispute with stall tactics to buy more time or Transunion has misplaced my dispute. According to the rights given to me as a consumer, if Transunion is unable to verify the disputed account it must be DELETED. Seeing that more than 60 days have come and gone I XXXX XXXX would like to assert my consumer rights and demand the DELETION of the account in question. The FCRA has made the laws that Transunion must abide by very clear. I am writing to address the unauthorized reporting of information to my consumer credit report by your agency. According to 15 USC 1681b, it clearly states 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 For the purpose of evidence to present to a high authority, I XXXX XXXX would like to acknowledge that I have not & continuing to this present day, given Transunion authorization or any such power to furnish or share the account or accounts in question to my consumer credit report or any other form of reporting that directly references me XXXX XXXX the consumer, born XX/XX/XXXX for public use or for profit. 
Transunion is NOT a government official entity and NO legal power has been granted to any Credit Reporting Agency to collect or share/report/furnish my PERSONAL, and PRIVATE information without my consent in any shape or form. 

For the purpose of evidence to present to a high authority, I XXXX XXXX would like to acknowledge that I have not & continuing to this present day, given Transunion authorization or any such power to furnish or share the account or accounts in question. This letter stands as an official CEASE & DESIST. Any further reporting after today XX/XX/XXXX goes against my wish and is not consensual which is grounds for AGGRAVATED IDENTITY THEFT. 

I would also like to remind Transunion of 18 USC 1028A which takes place here seeing that you have possession of my personal information and also using/reporting/furnishing/sharing publicly and inaccurately without my consent of any form, not written, or verbally. I do not recognize Transunion as an entity that I have contractually agreed to willingly do business with or consent to furnish this information. Let me also bring to your attention 15 USC 6802 which clearly states that a financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless they allow the consumer to exercise their right to opt-out. To make it abundantly clear Transunion is by definition : A THIRD PARTY REPORTING AGENCY. 
For the purpose of evidence to present to a high authority, I XXXX XXXX would like to acknowledge that I have not & continuing to this present day, given Transunion authorization or any such power to furnish or share the account or accounts in question to ANY third party affiliates I do not directly acknowledge, or hold a contractual obligation with. The account or accounts in question are fraudulent and have been furnished without my consent. 

Name of Account : Account Number : Provide Physical Proof of Verification Acct Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5700.00} I am not liable for this debt and I do not have a contract with : Company : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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