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: NC

Complaint narrative:
I, XXXX XXXX, have encountered several serious issues regarding my credit report, which I believe violate various provisions of the Fair Credit Reporting Act ( FCRA ). These violations have caused me significant distress, and I am taking action to dispute the inaccuracies and illegal practices. The key issues are as follows : Willful Noncompliance ( FCRA Section 616 ) : I allege that a credit reporting agency has accepted inaccurate credit information about me without verifying its accuracy. According to Section 616 of the FCRA, this failure to verify can lead to civil liability of up to {$1000.00} per violation. I am requesting that the disputed information be corrected or removed. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not inform me of my right to opt-out of sharing my personal information, which is required by law. This omission is not only deceptive but also a violation of my rights as a consumer. 

Inaccurate Reporting of Debts and Inquiries : I have found several errors in how my debts and inquiries have been reported. Some debt collectors have listed inaccurate debts, and in other cases, there are hard inquiries that were made without my consent. Under FCRA Section 1681b ( a ) ( 2 ), no inquiry should occur unless the party requesting the report has a permissible purpose, which I believe has been violated here.

Debt Validation Issues ( FCRA Section 623 ( a ) ( 3 ) & FDCPA ) : I am requesting that the debt collectors provide validation of the debts they claim I owe, as required by 15 U.S. Code 1692g. This includes providing documentation such as the original application, signed contracts, or other proof that I am legally responsible for these debts. Without this documentation, these accounts should be removed from my credit report.

Failure to Comply with Accuracy Standards ( FCRA Section 1681e ( b ) ) : There are multiple accounts being reported as " late payments '' or " collections '' when I have no record of these issues. I am asserting that these entries are inaccurate and should be corrected or deleted entirely, as per FCRA Section 1681e ( b ), which requires credit reporting to be as accurate as possible.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : Numerous unauthorized hard inquiries have appeared on my credit report, which were made without my consent. These should be deleted immediately, as the FCRA mandates that only certain parties with a permissible purpose can access my credit report. 

As a result of these violations, I am formally requesting that these inaccuracies be corrected or removed from my credit report. If the disputes are not resolved, I will be forced to take legal action, including potential lawsuits for willful noncompliance under the FCRA. 

I expect prompt attention to these matters and anticipate a resolution as soon as possible. If the issues are not addressed, I will explore legal avenues available to me under the FCRA, including seeking civil damages. 

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