Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have occurred regarding my credit report. These violations require immediate attention and resolution, and I am authorizing this dispute to be addressed by the relevant parties. 

FCRA Section 616 - Civil Liability for Willful Noncompliance : I am concerned because the credit reporting agency accepted credit information about me without verifying its accuracy firsthand. This failure to verify is a willful noncompliance and violates the law, potentially making the agency liable for civil damages of up to {$1000.00} per violation.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : The agency failed to disclose my right to opt out of sharing my personal information, which is a clear violation of my consumer rights under the FCRA. This omission was deceptive, and I demand the agency take corrective action immediately.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : The reporting agency furnished inaccurate inquiries and accounts about me without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). This kind of inaccurate reporting is deceptive and must be corrected.

Violation of Debt Collection Practices Act : I was subjected to unfair practices and harassment due to the reporting of inaccurate debts and accounts. This was done without my consent, causing me unnecessary distress and contact from creditors. This conduct violates the Debt Collection Practices Act and should be remedied.

Violation of Acquiring Location Information Regulations : Debt collectors contacted third-party credit reporting agencies using my personal information, claiming that I owed a debt. This is a violation of regulations that prohibit the disclosure of debt information to third parties.

Violation of Timely Payments Regulations : The credit reporting agency inaccurately reported late payments on my credit report without defining what constitutes a late payment. This reporting is deceptive and misleading, violating the FCRAs guidelines on accurate payment history reporting.

Violation of Finance Charge Determination : The credit reporting agency failed to accurately determine finance charges, which is part of their responsibility. This error must be rectified to ensure compliance with FCRA regulations. 

Violation of Credit Report Permissible Purposes : The agency reported information on my credit report without obtaining my written consent, which is a violation of the permissible purposes outlined in the Fair Credit Reporting Act. 

Given these violations, I am requesting the following actions be taken immediately : XXXX XXXX XXXX, XXXX, MD XXXX : The personal information being reported is incorrect and does not pertain to me. It must be deleted from my report immediately. 

XXXX XXXX XXXX, XXXX XXXX, MD XXXX : The personal information being reported is incorrect and does not pertain to me. It must be deleted from my report immediately. 

XXXX XXXX XXXX XXXXXXXX : This account should be updated to reflect that it was paid as agreed and never late, as required under 15 USC 1681i. 

XXXX - XXXX : This account should also be updated to reflect that it was paid as agreed and never late, per 15 USC 1681i. 

XXXX XXXX XXXXXXXX : This account must be updated to paid as agreed, never late, in accordance with 15 USC 1681i. 

XXXX - XXXX : Under 15 USC 1692g, I request validation of this debt. The debt collector must provide proof of the alleged debt or cease collection until validation is provided. 

XXXX XXXX - XXXX : Similar to the previous account, I request validation under 15 USC 1692g. If the information is not validated, it must be removed from my credit report. 

XXXX XXXX - XXXX : I request validation of this debt as per 15 USC 1692g. If validation is not provided, the account must be deleted from my credit report. 

XXXX - XXXX : Again, I request validation under 15 USC 1692g. Failure to provide validation will result in the account being removed from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX : This account also requires validation under 15 USC 1692g. If validation is not provided, it should be deleted from my report. 

Lastly, I demand the removal of all unauthorized and inaccurate accounts from my credit report. I expect a prompt response and resolution of this matter. Should the credit reporting agencies fail to comply, I will pursue legal remedies available under the Fair Credit Reporting Act. 

This response incorporates the necessary U.S. Code laws as referenced in your letter and addresses the actions you are requesting in a clear and structured manner.

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