Consumer complaint received 2024-03-14 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: KY

Complaint narrative:
Date : XXXX XXXX, XXXX Subject : Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Last XXXX of SSN # XXXX Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notice from XXXX XXXX XXXX. The notice was sent to a non-mailable address or never sent, and as a result 30 day notice was not sent before this was put on my Credit Report, I requested its IMMEDIATE REMOVAL from my consumer report. Also, Transunion has this listed status as a loan they never gave me any money and I requested validation of debt over XXXX months ago and they never sent validation of debt letter. This my second CFPB complaint XXXX and I never received results from Transunion. 
I called XXXX XXXX XXXX and they told me balance was more than was was on credit report, so I requested proof but never received it either. Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. 
I revoked my permission to report any of my personal identifying information I previously gave to XXXX XXXX XXXX to share, sell, transfer, trade and assign to any non afflitiate, third parties, and/or CRAs. I revoked and rescind any written, non written, verbal, nonverbal personal identifying information I given to XXXX XXXX XXXX to share, trade, transfer, sell, and/or assign to any non-afflitiates, CRAs or third parties that go beyond the business fiduciary duties. 
My name XXXX XXXX XXXX is copyrighted and my personal property that you are using on consumer reports, SEC, and any documents. If used again for financial gain it will cost the non profit company {$500000.00} for each use. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Code XXXX ( a ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed 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