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: SC

Complaint narrative:
I, XXXX XXXX, discovered several violations of the Fair Credit Reporting Act ( FCRA ) related to my credit report and dealings with certain debt collectors. These violations include the failure of credit reporting agencies and debt collectors to verify the accuracy of the information theyve reported about me, the improper handling of my personal data, and the wrongful reporting of debts that I dont believe are valid. 

First, I noticed that my credit report contains inaccurate or unverifiable debts, and the credit agencies did not properly verify this information as required by FCRA Section 616. This section holds them liable for civil penalties of up to {$1000.00} per violation if they willfully fail to comply with the law. Additionally, they failed to disclose my right to opt out of sharing my personal information with third parties, which is required under FCRA Section 603 ( d ) ( 2 ) ( A ). 

I also found that the debt collectors reported false information about my accounts, including inaccurate late payments and finance charges. According to FCRA Section 623 ( a ) ( 3 ), they are supposed to furnish accurate information and provide proper validation of these debts, but they didnt do so. These mistakes have caused me unnecessary distress, and in some cases, harassment from creditors who were misled by inaccurate information on my credit report. 

Moreover, these companies violated the Debt Collection Practices Act and other consumer protection laws by contacting third parties and disclosing my personal information, which is not allowed without my consent. Some of these actions also involved unauthorized inquiries on my credit report, which is a violation of the permissible purposes outlined in FCRA Section 1681b ( a ) ( 2 ).

In my letter, I demanded that these debt collectors validate the debts theyre reporting, as required under 15 U.S. Code 1692g, which ensures that I receive proof of the alleged debts before they remain on my report. Specifically, I asked for original contracts, signatures, or any other documentation that proves I owe these debts. If they can not provide that documentation, I am requesting that the items be removed from my credit report. 

If these violations are not corrected, I have made it clear that I will take legal action to enforce my rights under the FCRA, which could include pursuing civil damages for their noncompliance. I expect them to act swiftly to resolve these issues and remove any unauthorized or inaccurate accounts from my credit report. 

In short, Ive authorized this dispute because my rights under the Fair Credit Reporting Act have been violated, and I want these inaccuracies fixed as soon as possible. If they do not take action, I will be forced to pursue further legal remedies.

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