Consumer complaint received 2025-02-01 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: SC

Complaint narrative:
In XXXX of XXXX XXXX XXXX I wrote to transunion, a dispute about a bankruptcy that is appearing on my credit file for this bankruptcy.To be on my credit file, it is a clear violation of the law. XXXX U.S. Code XXXX - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. The question is, who gave them permission to report my information?? Also for them to have gotten my information, they would to have had a identification of me. This is a violation alsoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title XXXX CHAPTER XXXX SUBCHAPTER XXXX XXXX Quick search by citation : Title enter title Section section XXXX U.S. Code XXXX - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. If the courts did not give them permission to do so, and I did not give them permission to do so. They do not have the right to do such a thing. As far as obtaining my information, this is obtaining information from a secondary credit reporting agency under false pretenses, and it is against the law. Again, for TransUnion, to have done this, they would to have had a form of identification of me. How else would they have figured out that I was tied to this information in any way shape? Formal fashion and again.This is against the XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code Title XXXX PART I CHAPTER XXXX XXXX Quick search by citation : Title enter title Section section XXXX XXXX Code XXXX - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. 
( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. When I brought this to their attention, I sent in a identity theft packet and a police report from the XXXX, South Carolina police department and their response was That's the documentation that I had was not from a replicable law.Enforcement agency. This is a police department, a form of government.So my question to you is, how much lawful do I have to get. This is a violation XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code Title XXXX PART I CHAPTER XXXX XXXX Quick search by citation : Title enter title Section section XXXX U.S. Code XXXX - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Because of this alleged identity theft, they were supposed to have blocked the information from my credit file and they did not. This is a violation alsoXXXX U.S. Code XXXX - Block of information resulting from identity theft U.S. Code Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the 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 of

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