Consumer complaint received 2025-02-27 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: NJ

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX and the credit bureaus ( XXXX, XXXX, and TransUnion ) for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws. 

I have identified the following issues regarding my credit report and the collection efforts by XXXX XXXX XXXX and the credit bureaus : Violation of the XXXX Rule for Reporting Debts Under 15 U.S. Code 1681s-2 ( FCRA ), if a debt has been sold to a third party, such as XXXX XXXX XXXX, and XXXX XXXX 180 days old, I am not obligated to pay the debt directly to the new creditor ( XXXX XXXX XXXX ). This is a crucial consumer protection rule. 

The debt was sold to XXXX XXXX XXXX, and I have learned that it is over 180 days old. 
As a result, according to FCRA Section 1681s-2, I am not liable to the furnisher ( XXXX XXXX XXXX ) for this debt under any direct payment obligations. 
I am requesting that XXXX XXXX XXXX and the credit bureaus remove any derogatory marks on my credit report that may be associated with this XXXX debt that has been sold. 

Violation of Written Consent Requirement According to the Fair Credit Reporting Act ( FCRA ), Section XXXX outlines that credit bureaus and furnishers are required to receive written consent from consumers before any information is added to a credit report. They never received my written consent. This includes any accounts or credit information being furnished to the bureaus for reporting purposes. Which means they are committing fraud. 

XXXX XXXX XXXX and the credit bureaus have failed to provide evidence that I granted written consent for the furnishing of the debt to any of the credit bureaus ( XXXX, XXXX, TransUnion ). 
Without my written consent, XXXX XXXX XXXX and the credit bureaus are violating my rights under this FCRA provision. 
I request that XXXX XXXX XXXX and the credit bureaus provide written evidence of my consent, or I demand the removal of the debt and any related derogatory marks from my credit report. 

Reporting of Derogatory Marks without Legal Basis Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), it is illegal for any furnisher to report inaccurate or misleading information. Specifically : The debt reported by XXXX XXXX XXXX is incorrect, as I do not owe the debt due to the passage of more than 180 days since it was sold to them. 
The derogatory remarks on my credit report are not justifiable under the laws governing debt reporting, particularly the FCRA and FDCPA. 
I request that XXXX XXXX XXXX and the credit bureaus immediately remove any derogatory remarks or late payment reports that are incorrect and do not reflect the actual state of my debt obligations, as per FCRA Section 1681.

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