Consumer complaint received 2024-11-20 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:
I, XXXX XXXX, have encountered multiple violations of the Fair Credit Reporting Act ( FCRA ), and I am authorizing this dispute to address the issues surrounding my credit report. 

Several entities have violated my rights under the FCRA, and these violations must be rectified immediately. Specifically : XXXX XXXX - XXXX XXXX ( 15 U.S.C. 1681n ) : The credit reporting agencies and creditors have accepted and reported inaccurate credit information about me without verifying its accuracy. This constitutes willful noncompliance, which, under the law, makes them liable for civil penalties of up to {$1000.00} per violation. The failure to ensure the informations accuracy before reporting it is a direct violation of my rights under the FCRA. 

Failure to Disclose Personal Information Opt-Out Rights- Section XXXX ( d ) ( XXXX ) ( A ) ( 15 U.S.C. 1681b ) : The credit reporting agencies did not inform me of my right to opt-out of the sharing of my personal information. This is a violation of my consumer rights, and I was deprived of a crucial opportunity to protect my privacy. 

Inaccurate XXXX of Debts and Accounts - Section XXXX ( a ) ( XXXX ) ( 15 U.S.C. 1681s-2 ) : The information regarding my debts was furnished without proper validation, including inaccurate inquiries and account details. These inaccuracies may violate XXXX XXXX XXXX XXXX XXXX XXXX XXXX and are misleading to creditors and potential lenders. 

XXXX XXXX Practices XXXX Violations : Creditors reported alleged debts on my file without my consent, which caused distress and harassment through repeated contact by third-party debt XXXX. These actions are unlawful and infringe upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Acquiring XXXX XXXX Violations : Debt XXXX shared my personal information with third-party credit reporting agencies, claiming that I owed debts without proper verification. This violates regulations that prohibit the disclosure of such information without my written consent. 

XXXX XXXX XXXX XXXX : The credit reporting agencies inaccurately marked my account with " late payments, '' without properly defining the criteria for such a designation. This is deceptive and an infringement of the regulations that require accurate and timely reporting. 

Failure to Properly Determine Finance Charges : The finance charges reported were not accurately determined, which violates the Regulation Z requirements under the Truth in Lending Act ( TILA ). Accurate finance charge determination is a critical obligation of credit reporting agencies and creditors. 

Reporting Without Permissible Purpose - Section XXXX ( 15 U.S.C. 1681b ) : Certain entities accessed my credit report without a permissible purpose, as required under the FCRA. For example, inquiries from XXXX, XXXX, XXXX, and XXXX XXXXXXXX were unauthorized, as they did not have my written consent to pull my report. According to 15 U.S.C. 1681b, these inquiries must be deleted from my report. 

To resolve these issues, I demand the following actions be taken : Debt Validation ( 15 U.S.C. 1692g ) : I request the debt XXXX associated with the listed accounts provide proper validation of these debts. This includes providing original documents such as the application, contract, or note bearing my signature. If this validation is not provided, these accounts must be removed from my credit report immediately. 

Removal of Unauthorized Inquiries ( 15 U.S.C. 1681b ) : Any inquiries made without a permissible purpose must be deleted from my credit report, including those from XXXX XXXX XXXX XXXX XXXX XXXX 

Removal of XXXX Accounts and Late Payments : I request the immediate deletion of any inaccurate accounts or late payment reports from my credit file that violate the FCRA. 

I expect a prompt and thorough resolution to these issues. If these matters are not addressed within the required timeframes, I will be forced to seek legal remedies available under the Fair Credit Reporting Act and related consumer protection laws. 

Sincerely, XXXX XXXX

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