Consumer complaint received 2024-04-19 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:
As a federally protected consumer under the Fair Credit Reporting Act, I am reporting numerous violations of the law by XXXX XXXX  XXXX  and all three major credit bureaus ( XXXX, XXXX, and Transunion ). Not only has my nonpublic information been unlawfully reported by XXXX to each bureau against my written instruction, but the information reported includes numerous inaccuracies that require correction. The Privacy Act of 1974 and 15 USC 1681 ( a ) ( 4 ) both require that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Furthermore, according to 15 USC 1681b, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given any instruction to the bureaus to report my nonpublic information. On the contrary, I have exercised my continuing right to opt out of any sharing of my nonpublic information per 16 CFR 313.7 that states a consumer may exercise the right to opt out at any time by mailing an opt out notice to the creditor ( see attached letter sent to XXXX on XX/XX/XXXX of XXXX ). XXXX did not honor my notice when they reported past due payments and an account closure for my XXXX XXXX XXXX. According to 15 USC 1681a ( 2 ) ( A ) ( i ) consumer reports can not lawfully contain information regarding the transactions between the consumer and the person making the report. 15 USC 1681c prohibits the reporting of any adverse items of information ; as such, derogatory reports like late payments, delinquencies, and account closures are in direct violation of the law. Furthermore, all three bureaus list my account as 120 days past due when, according to 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both 15 USC 1681 ( a ) and 15 USC 1681e require consumer reporting agencies to ensure the accuracy of the information they report, and there are numerous discrepancies and inaccuracies between the three bureaus reporting on this account. XXXX reports an account balance of {$16000.00} in XX/XX/XXXX while Transunion reports {$12000.00}. XXXX also reports scheduled payments of {$170.00} for XX/XX/XXXX and {$470.00} for XX/XX/XXXX while Transunion reports {$140.00} and {$340.00}, respectively. XXXX and XXXX show the date of first delinquency as XX/XX/XXXX while Transunion shows XX/XX/XXXX. Transunion reports a past due amount of {$0.00} for XX/XX/XXXX, while XXXX reports {$1700.00}. XXXX shows the account was closed in XX/XX/XXXX, while Transunion and XXXX both report it closing in XX/XX/XXXX. None of the bureaus report this card as Charged Off, and it has been charged off since XX/XX/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