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: NY

Complaint narrative:
I, XXXX XXXX, have discovered multiple serious violations related to the handling of my credit information and the reporting of inaccurate debts. As a result, I am disputing these errors, which have caused significant harm to my creditworthiness and have violated my consumer rights under the Fair Credit Reporting Act ( FCRA ). The issues I am facing stem from actions that are not only misleading but also potentially illegal, and they need to be addressed immediately. 

Willful Noncompliance with FCRA Section 616 The first violation Ive encountered is that credit information about me was accepted without verification. Specifically, I noticed that my credit report contains information that has not been properly validated, which is a direct violation of FCRA Section 616 ( 15 U.S.C. 1681n ). This law holds entities accountable for willful noncompliance, and I am entitled to civil penalties of up to {$1000.00} for each violation if this issue is not rectified.

Failure to Disclose My Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) Another issue is that I was not provided with the required disclosures about my right to opt out of sharing my personal information. Under FCRA Section 603 ( d ) ( 2 ) ( A ) ( 15 U.S.C. 1681b ), credit reporting agencies and furnishers of credit information are obligated to inform me of my right to control the sharing of my data. The failure to do so has violated my rights, and this omission is deceptive. 

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) I have also found that inaccurate information is being furnished about my credit, including erroneous inquiries and accounts. These inaccuracies were provided to credit agencies without proper validation, which is misleading and a violation of FCRA Section 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ). The reporting of such false information is not only deceptive but violates Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Violations ( FDCPA and FCRA ) Additionally, I have identified multiple instances where debt collectors have reported inaccurate accounts and attempted to collect on debts that they have not validated, which violates the Fair Debt Collection Practices Act ( FDCPA ), as well as the FCRA. Specifically, debt collectors such as The XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have failed to provide adequate proof of these debts, despite my requests under 15 U.S. Code 1692g ( FDCPA Section 809 ) for debt validation. This failure constitutes harassment and improper debt collection practices.

Violation of Permissible Purpose and Identity Theft ( FCRA Section 1681a ( 3 ) ) Another serious concern is that my personal information was disclosed without my consent, violating FCRA Section 1681B ( 15 U.S.C. 1681b ). Specifically, I found a fraudulent bankruptcy filing associated with my name, and unauthorized third parties have accessed my credit file without my permission. This is a clear case of identity theft, and I demand that all unauthorized and inaccurate accounts be removed immediately from my credit report, as required by FCRA Section 1681a ( 3 ). 

Inaccurate Payment History Reporting During XXXX ( FCRA Section 623 ( a ) ( 1 ) ( F ) ) During the XXXX pandemic, many credit accounts were subject to forbearance and relief measures. However, I have noticed multiple accounts such as XXXX XXXX, XXXXXXXX XXXX XXXX, and others that are incorrectly reporting " late payments '' when they should instead be marked as " never late '' under FCRA Section 623 ( a ) ( 1 ) ( F ) ( 15 U.S.C. 1681s-2 ), which specifies that forbearance protections should prevent negative reporting during that period. These inaccuracies are damaging my credit score, and I demand that these accounts be updated to reflect the correct status. 

The Actions I Demand Immediate Correction of Inaccurate Information I am requesting that all inaccurate information be corrected or removed from my credit report. This includes personal information related to addresses at XXXX XXXX XXXX XXXX and XXXX XXXX Wy, which are incorrect and need to be deleted immediately. 

Debt Validation I demand validation of the debts reported by The XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others, as they have failed to provide proof of their claims. As per 15 U.S. Code 1692g, I am entitled to receive proof of these debts, including the original contract or agreement signed by me. 

Timely Removal of Fraudulent Information I also request the immediate removal of any fraudulent accounts resulting from identity theft, as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). I am demanding that these fraudulent accounts be deleted within XXXX XXXX XXXX 

Reporting Updates for XXXX Accounts I am requesting that accounts impacted by XXXX relief programs, such as XXXX XXXX, XXXXXXXX XXXX , and others , be corrected to reflect the accurate " never late '' status, in compliance with FCRA Section 623 ( a ) ( 1 ) ( F ). 

Correction of Other Reporting Violations In addition, I am demanding that all other discrepancies, including unauthorized inquiries and inaccurate finance charge determinations, be resolved. If these corrections are not made, I will consider pursuing legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ). 

Conclusion I, XXXX XXXX, request that these issues be addressed promptly, in accordance with the relevant provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. If this matter is not resolved to my satisfaction, I will have no choice but to pursue legal remedies, including seeking damages for the violations of my consumer rights.

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