Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
I, XXXX XXXX XXXX XXXX a dispute regarding several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred on my credit report. These violations are serious and need to be addressed immediately. Below are the issues Ive identified : Failure to Verify Credit Information ( FCRA XXXX XXXX ) : Credit information about me was accepted without verifying its accuracy, which is a violation of the FCRA. Under Section 616, I have the right to seek civil liability for willful noncompliance, and the responsible party could face penalties of up to {$XXXX} per violation. 
Failure to Disclose My Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of having my personal information shared was not disclosed to me, which is a violation of my consumer rights under the FCRA. This omission is deceptive and undermines the transparency required by the law.

Furnishing Deceptive or Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : There were inaccurate inquiries and accounts reported without proper validation. This is potentially deceptive and violates Generally Accepted Accounting Principles ( GAAP ). It is essential that information on my report is accurate, and the failure to validate these entries is misleading. 

Debt Collection Violations : Debt XXXX violated the Debt Collection Practices Act by reporting inaccurate debts and accounts without my consent. This caused me unnecessary distress and harassment from creditors, which is an unfair practice prohibited by law. 
Violation of Third-Party Disclosure Rules : Debt collectors also violated regulations by contacting third-party credit reporting agencies and disclosing debt information about me, which is prohibited under debt collection laws.

Inaccurate Late Payments : I noticed that late payments were reported on my credit report without a clear explanation of what constituted a late payment. This is deceptive and inaccurate, as per FCRA Section 1681a ( 2 ) ( i ), which requires accurate reporting of payment history.

Failure to Properly Report Finance Charges : The finance charges were inaccurately reported, and it is the responsibility of the credit reporting agency to ensure these charges are determined and reported correctly under FCRA Section 1681b ( a ) ( 2 ).

Unauthorized Credit Report Inquiries : Several unauthorized hard inquiries were made on my credit report, which is a clear violation of the FCRA Section 1681b ( a ) ( 2 ). These inquiries, including those from XXXX, XXXX, and others, were made without my consent and should be deleted immediately. 

As a result, I have formally requested that these violations be corrected, including the deletion of incorrect personal information, the updating of any inaccurate payment histories, and the validation of debts. If these issues are not resolved promptly, I will have no choice but to pursue legal action under the FCRA for the willful noncompliance of these regulations. 

I expect a swift resolution to these issues, as failure to comply with the FCRA can lead to civil liability.

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