Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
VIOLATIONS OF PRIVACY : PRIVACY ACT OF XXXX XXXX XXXX The INFORMATION RELATING KIMBALLTIREY IS NOT RELATED TO ANY TRANSACTION or Contracts in the name of CONSUMER. XXXX will need to provide the direct contract in which they have with the company who sold them a debt proving that they are authorized to collect for this said company and that they are not just a company that bought a debt According to the Fair Credit Reporting Act 15 USC 1681 Section 602 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right for privacy. As a protected consumer I have a right to make sure that my personal nonpublic information isn't shared which is confirmed by law 15 USC 6801. : It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.. 15 USC 1681c ( a ) 5 states except authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item that is being reported again, without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

15 USC 1681e : Every consumer reporting agency SHALL maintain procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 
15 USC 1681C-2 block of information resulting from identity theft A consumer agency shall block the reporting of any information in the file of a consumer that consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 USC 1692e7 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

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