Consumer complaint received 2024-01-11 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: NJ

Complaint narrative:
I filed a CFPB complaint on TransUnion XX/XX/XXXX complaint number XXXX they responded using the USPS mail with a notice of accurate and verified, TransUnion is obligated by the FCRA to report accurate accounting. TransUnion does not have first hand knowledge to know if the account is true and factual, I the consumer has advised TransUnion the company XXXX XXXX has fraudulently took my non public personal information and created an account on my behalf without my consent the account in dispute is XXXX in the amount of XXXX that is identity theft I never signed a XXXX form through social security releasing my SSN to this company. This is a direct violation of my rights to privacy, Privacy Act of 1974 and Gramm-Leach-Bliley Act. The information that you are furnishing on my consumer report is not following the industry standard code, pursuant to 15 USC 1692a ( e ) Definitions of rules of construction, it clearly says you were suppose to interview neighbors, friends, or associates of the consumer reported on or with others with whom I am acquainted or who may have knowledge concerning any such items, it also says such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor. You have not provided me with the process you use to obtain that the account is accurate, you have not provided me with the signed disclosure forms that was suppose to be provided to me from the creditor before it was furnished on my consumer report pursuant to 15 USC 6802 additionally the credit reporting agencies must have a signed disclosure form from me giving written consent for your company to report this information, you are infringing on my right to privacy as well. The law clearly says that you are suppose to provide me with the procedures in the process of your reinvestigation and attach the signed disclosure forms from the creditor that I gave them consent to furnish my information and also the signed form from TransUnion that I gave written authorization for you to report this information. TransUnion have 15 days to provide me with the person they had spoken to, documentation used in the reinvestigation, signed application with my bona fide wet ink signature, the disclosure forms that I signed giving the creditor consent to have access and furnish my private information and additionally the form that I signed with TransUnion given consent to report my private information. I the consumer am not asking for an e-Oscar report. If TransUnion does not have documentation to show this account in fact is authorized by me the consumer, by law it must be removed. Said company is liable under Sec to follow certain rules TransUnion commission file number XXXX XXXX XXXX XXXX  as trustee I will be filing a XXXX treasury XXXX forms to audit I the consumers account, TransUnion is securitizing my data without my consent and refuse to provide a copy of my consumer credit file. Credit file not credit report.

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