Consumer complaint received 2024-10-02 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: VA

Complaint narrative:
Account # : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a Federally protected Consumer. I am now opting out of any and all Authorization I the consumer may have given you Written, Unwritten, Verbal or Non Verbal Per 15 USC 6802. This is effective immediately and indefinitely. 

I have mailed in numerous disputes dispute to Transunion, via XXXX XXXX XXXX - XXXX I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( XXXX ) with Transunion. The account below are reporting inaccurate according to the XXXX XXXX XXXX XXXX. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. XXXX XXXX XXXX XXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( XXXX ). 

XXXX Upon XXXX needs to Provide Me With The Direct Contract With The Company That Shows They Are Authorized To Collect For Them & Not A Company Whom Bought A Bulk Files Of Debt And Not Penny On The Dollar To Collect. 

Charge Off Is Considered Income via IRS Publication XXXX Which Turned It Into A Certificate Of Indebtedness. 
Income Can Not Be Reported On Your Report - USC 1681a XXXX  XXXX, Approved XX/XX/year> ( XXXX XXXX. XXXX ) Consumer Credit Protection Act TITLE VICONSUMER CREDIT REPORTING Sec. 601. [ 15 U.S.C. 1601 note ] This title may be cited as the Fair Credit Reporting Act. 

* * * * * * * Sec. 603. [ 15 U.S.C. 1681a ] * * * * * * * ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

* * * * * * * Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : * * * * * * * ( XXXX ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least XXXX  days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( XXXX ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. 

Consumer SSN should only be used for Governmental Official Use only and is this aggravated Identity Theft per 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. 
( XXXX ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. 

REMOVAL OF ACCOUNT- IMMEDIATELY ; SEVERE DAMAGES! 
I will be seeking Legal Remedy through the CRA 's per 15 U.S. Code 1681o - Civil liability for negligent noncompliance & 15 U.S. Code 1681n - Civil liability for willful noncompliance.

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