Consumer complaint received 2024-10-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear American XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally dispute certain inaccuracies and possible violations related to my account with XXXX XXXX XXXX XXXX. After reviewing my records and relevant laws, I believe that there have been breaches that require immediate attention. 

Firstly, I would like to address the potential inconsistencies related to my personal information, which may infringe upon my privacy rights as established by 15 U.S. Code 6801. This statute outlines the importance of protecting consumer information, requiring financial institutions to implement appropriate security measures. I have concerns that my data may not be adequately safeguarded.

In addition, I have noticed discrepancies in how my credit has been reported, which may violate 15 U.S. Code 1681 ( a ). This section mandates the obligation to report accurate information to consumer reporting agencies. Given the negative impact that inaccuracies can have on my financial standing, it is crucial that we address this matter promptly. 

Furthermore, I would like to highlight potential violations under 15 U.S. Code 1605 pertaining to the need for clear and transparent disclosure of terms. Upon reviewing my agreement, I find that certain fees and terms were not clearly communicated to me, which could be seen as non-compliance with this regulation. 15 U.S. Code 1635 also states that within 20 ( twenty ) days of receipt of a notice ( Rescission ). I am not liable for any finance charges or any security interest. By law, it becomes void and all money or property ( title ) is returned to the consumer.

Moreover, I am concerned about the practices surrounding my account that may not adhere to 15 U.S. Code 6802, which emphasizes consumer privacy rights and the need for customer consent prior to sharing sensitive information. It appears that I may not have been adequately informed about how my data could be used or shared.

Lastly, I would like to bring to your attention 18 U.S. Code 1028, which addresses identity theft and related fraud. It is paramount that the information associated with my account is accurately maintained to prevent any misuse that could arise from misinformation or lack of proper identity verification. 

Given these concerns, I am requesting a thorough review of my account and the associated practices of XXXX XXXX XXXX XXXX. I would appreciate your prompt response addressing these issues and outlining the corrective steps you plan to take. 

Thank you for your attention to this matter. I look forward to your timely response so we can resolve these discrepancies efficiently. 

Sincerely, XXXX XXXX XXXX XXXX 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