Consumer complaint received 2024-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX ), XXXX, XXXX, and TransUnion Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX  XXXX for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and TransUnion for their roles XXXX reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was XXXX. Despite this knowledge, XXXX  XXXX continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ). 

XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such XXXX debt can not be reported as income. XXXX XXXX has failed to provide me with a XXXX for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by XXXX XXXX XXXX XXXX ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the adverse and update to paid as agreed and cease all further reporting to XXXX, XXXX, and TransUnion. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, XXXX, and TransUnion regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX 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