Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am reaching out to express my grave concern regarding multiple serious issues affecting my credit reports across all major credit bureaus : TransUnion, XXXX, and XXXX. These issues encompass unauthorized disclosures of my personal information, inaccuracies in my credit file leading to significant financial and emotional distress, unauthorized hard inquiries byXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and potential violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act, specifically regarding the treatment of my personal financial information. I implore the CFPB to take comprehensive and immediate action to address these violations. Over Unauthorized Disclosures and Inaccuracies : such hard inquires at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have been involved in the unauthorized disclosure of my personal details to all major credit bureaus, resulting in inaccuracies on my credit report. This not only violates my right to financial privacy as outlined in 15 USC 1681 Section 602 but also contravenes the explicit requirement that a consumer reporting agency can not share account information without my consent, per 15 USC 1681 Section 604 ( a ) ( 2 ). The discrepancies and unauthorized transactions have adversely impacted my financial situation, demanding urgent correction. The presence of unauthorized hard inquiries on my credit reports from XXXX XXXX  and XXXX XXXX has further damaged my credit score. These inquiries were conducted without my consent, violating the FCRA 's stipulations on the permissible purposes for credit inquiries. FCRA Violations and Exclusions from Credit Reports : Transactions reported on my credit reports stem from identity theft and were reported without my authorization, which clearly violates the FCRA, especially under 15 USC 1681a 2 ( A ) i. This section of the FCRA excludes from consumer reports information related solely to transactions or experiences between the consumer and the person making the report, unless there is explicit consent from the consumer, which was not the case. Violations of the Truth in Lending Act ( 15 USC 1666 ( b ) ) : I also want to highlight the importance of 15 USC 1666 ( b ) from the Truth in Lending Act, which prohibits creditors from treating credit card payments as late under specific circumstances. This is particularly relevant given the discrepancies and unauthorized transactions affecting my financial standing and credit report. Requests for Immediate Action : I urgently request the correction of the inaccuracies on my credit reports maintained by TransUnion, XXXX, and XXXX. The unauthorized hard inquiries made by XXXXXXXX XXXX XXXX XXXX and all other implicated entities must be removed from my credit reports. A thorough investigation into the violations of the FCRA and the Truth in Lending Act by all entities involved, including the major credit bureaus, is necessary. Compliance with legal requirements to block and delete transactions stemming from identity theft must be ensured across all my credit reports. Please be advised that I am submitting this complaint electronically through the CFPB portal and will be sending all required documents via certified mail to support my claims and ensure the meticulous handling of this matter. I trust the Consumer Financial Protection Bureau 's commitment to enforcing consumer rights and anticipate prompt and decisive actions to resolve these pressing issues. Your attention and cooperation in rectifying these critical matters are highly appreciated. Thank you for your immediate attention to this urgent matter. Sincerely, XXXX XXXX XXXX rights Retained This is final.

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