Consumer complaint received 2024-11-26 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: WY

Complaint narrative:
Since XX/XX/XXXX there has been an ongoing dispute between myself and the credit bureau XXXX, Trans Union and XXXX in regards to the use of my credit information as well as information being put out for public notice and usage by creditors and other various credit financing years or the like reporting to my credit report I filed a report in a complaint with the CFPB back in XXXX and XX/XX/XXXX and additionally here between XXXX to XX/XX/XXXX, in relation to identity theft logging those security quality of my information down with the security, freeze and improper reporting from all the uses from other creditors and individuals as per my rights in XXXX due to identity, theft, and potential fraud that was committed against my account upon my findings relatively in XX/XX/XXXX as I used my XXXX account to check my credit regularly to make sure that there was no fraud committed since all three credit viewers have neglected to report any activity credit report, pulling or like from any of the transactions that are in my credit report, I was surprised to find that there was a few notifications in regards to my identity, being put out on the XXXXXXXX XXXX and signs of it being on the XXXX XXXX as per the notifications mentioned in the photos. I have attached with this complaint in the past, I have already done a complaint and several reports in regards to identity, theft, being taken, and other situations relative to my credit reporting being done by these three bureaus and others as well, I pulled all three of my reports roughly around XX/XX/XXXXXXXX XXXX XXXX XXXX possibly within the last two weeks before or after this date to look over my credit report I still have seen many accounts since then, trying to mediate this situation with the credit bureaus after previous complaints and or additionally, they have all failed to provide validation of any investigations in the past as well on top of other accounts and or inquiries and attempts of opening lines of credit that I do not recognize so I took it upon myself roughly around the same timeframe here in XX/XX/XXXXXXXX XXXX  to go and file a police report, as well as another complaint over other accounts as mentioned in the letters, and of course, the documents attached with this complaint it is here. I will reference a few factor laws and notifications in an effort to outline what I believe these credit bureaus have failed to comply with and or out of your negligence, both maliciously, and with my intent did not manage to maintain an uphold with careful consideration for my consumer rights and the like. 

Violations ; FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA SS 609 ( 15 U.S.C. SS 1681g ) FCRA SS 611 ( 15 USC SS 1681i ) FCRA SS 605 ( 15 USC SS 1681c ) FCRA SS 604 ( 15 USC SS 1681b ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

2 ) Disclosure to consumer.

( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

compromised. 
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.

( 1 ) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; and ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumer 's name and address excluded from lists of names provided by the agency pursuant to this paragraph.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.

( c ) Running of reporting period. 
( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996. 
( d ) Information required to be disclosed. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal. 
( e ) Indication of closure of account by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 4 ) [ 1681s-2 ] that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account.

( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 
XXXX06. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and 607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title.

( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 
( d ) Notice to users and furnishers of information. 
( 1 ) Notice requirement. A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; Moreover, I am requesting that all accounts as mentioned in the letters that I do not recognize, as well as other information that has come in relation to this complaint as well as the previous due to identity theft, and the lack of responsiveness and careful consideration from the car credit bureaus to be removed effective immediately due to these implications, cause based off of their negligence and improper use of my information and credit reporting.

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