Consumer complaint received 2024-10-02 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:
From XX/XX/XXXX, XXXXcomplaint with CFPB against TransUnionXXXX and XXXXDisputeComplaint TransUnionOn creditfileXXXX on XX/XX/XXXX, through XX/XX/XXXX, you ( TransUnion ) Closed that disputecomplainton XX/XX/XXXX with me and XX/XX/XXXX with the CFPB. 

XXXXyou closed the CFPB complaint from XX/XX/XXXX - XX/XX/XXXX XXXX closed it from XX/XX/XXXX - XX/XX/XXXX All three of the credit reporting agenciesTransUnionXXXX and XXXXviolated the Fair Credit Reporting Act FCRA 623 ( a ) ( 3 ) code 15 U.S.C.1681S-2 ( a ) ( 3 ) and FDPA 1692 ( 8 ) .I want you to remove the XXXX XXXX account due toTransUnion, XXXX, and XXXXViolating the Fair Credit Reporting Act FCRA 623 ( a ) ( 3 ) code 15 U.S.C.1681S-2 ( a ) ( 3 ) and FDPA 1692 ( 8 ) ; Failed to write consumer 's account as " Consumer Disputing '' during XXXX XXXX XX/XX/XXXX on credit report up to XX/XX/XXXX Closing of the CFPB Complaint.TransUnion did not state within the ( 30 day-period ) of this dispute in the COMMENT section on the credit report as of XX/XX/XXXX, by XXXX. I was not on the Comment Section period. 

AlsoYou stated ( TransUnion ) ; on XXXX, XXXX, to the FEDERAL Government -Consumer Financial Protection Bureau CFPB '' completed the investigation ''. You led to the Federal Government that you did a thorough investigation, however, XXXX and XXXX ( both ) deleted this file from my account within thissame time period. Why!!! The Company didn't have proof, because I don't have a contract with them. 

Also, payment for the privacy violations, incorrect history, and last active dates and last reporting violation date the same SAME violation. Removal of both accounts XXXX XXXX XXXX and XXXX XXXX and pay each penalty is {$1000.00}. 

" XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  ( XXXX ) : This case involved plaintiffs XXXX XXXX and XXXX XXXX, who alleged that XXXX inaccurately reported the Date of Last Activity on their credit reports.The Seventh Circuit Court of Appeals reversed the district courts summary judgment in favor of XXXX, highlighting the importance of accurate credit reporting1. '' XXXX XXXX 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 5 USC1681n ( a ) ( 1 ), 15 USC1681 Section 603 ( 3 ) ( E ), 15 USC1681b ( a ) ( 2 ) Subject to subsection ( c 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), 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 to whom it relates.

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