Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I, XXXX XXXX, hereby authorize the dispute outlined in this letter. Please note that this dispute is not submitted by an unauthorized third party or " credit clinic. '' I am writing to address several violations of the Fair Credit Reporting Act ( FCRA ), which require your immediate attention and resolution. The specific violations are as follows : FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You failed to disclose my right to opt out of sharing my personal information. This omission was deceptive and a violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : You furnished inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). Reporting such inaccurate information is deceptive.

Violation of Debt Collection Practices Act : You engaged in unfair practices and harassment by reporting inaccurate debts and accounts without my consent, causing me distress and unnecessary contact from creditors.

Violation of Acquiring Location Information Regulations : Debt collectors contacted third-party credit reporting agencies with my information, stating that I owed a " debt. '' This is a clear violation of regulations prohibiting the disclosure of debt information to third parties.

Violation of Timely Payments Regulations : You reported " late payments '' on my credit report without properly defining what constitutes a late payment, which is deceptive and inaccurate.

Violation of Finance Charge Determination : You failed to accurately determine finance charges, which is your responsibility as a credit reporting agency.

Violation of Credit Report Permissible Purposes : You reported information on my credit report without obtaining my written consent, violating the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). 

As a result of these violations, I demand that the following actions be taken immediately : XXXX  - XXXX - 15 USC 1681e ( b ) Compliance Procedures Maximum Possible Accuracy** : Please update the late payment record to reflect " paid as agreed '' and indicate that it was never late. 

XXXX XXXX - XX/XX/year> - 15 USC 1681b ( a ) ( 2 ) Permissible Purpose of Consumer Reports : Please delete this unauthorized hard inquiry from my credit report. 

Remove all unauthorized and inaccurate accounts from my credit report. 

I expect a prompt response and resolution of this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act ( FCRA ). 

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