Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
a company XXXX  requested my improper reporting credit report furnished by TransUnion and because of it being improperly reported I was NOT employed by XXXX XXXX XXXX  The nature of my complaint is that these companies are engaged in practices that abuse consumers, including myself : violating my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1640 ( f ) ( 2 ), which limits consumer liability for unauthorized use of a credit card including driver license. Debt Collectors are attempting to collect on debts that are old, inaccurate, or that have been previously written off and sold by the original creditor, a practice that can be deceptive. These practices violate Section 5 of the FTC Act, which prohibits unfair or deceptive acts or practices. I am providing this information to urge the FTC to investigate this entire ecosystem that profits from inaccurate data and causes significant harm to consumers. 1. Inaccurate Information : My credit file contains information about debts that are inaccurate. These debts were allegedly charged off and sold by the original creditor, yet they continue to be reported as collectible obligations by third party debt buyers. 2. Failure to Investigate : I have disputed these inaccurate items with the credit bureaus, yet they have failed to conduct a reasonable investigation and have continued to report this erroneous information. 3. Data Sale Without Consent : The credit reporting agencies facilitate the sale of my financial data to third-party debt buyers without my explicit consent. I am never informed of these transactions before they appear on my credit profile, violating my right to privacy and accuracy. 4. Collection Attempts on Invalid Debt : Debt collectors are attempting to collect on debts that have likely been written off and for which the statute of limitations may have expired. This activity violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Alleged Violations Include : FCRA 605B ( 15 U.S. Code 1681c-2 ) : Failure to block fraudulent information upon request. 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 15 U.S. Code 1681 ( a ) ( 2 ) : Improper use and dissemination of consumer credit information. 15 U.S. Code 1666b and 12 CFR 1026.13 : Violations related to billing error resolution procedures. 15 U.S. Code 1692c and 1692g : Violations under the Fair Debt Collection Practices Act ( FDCPA ) regarding communication and validation of debt. 15 U.S. Code 1681 ( 2 ) ( xi ) : Improper reporting of charged-off accounts without proper documentation. Florida Statutes Chapter 679, Article 9 of the Uniform Commercial Code : Violations concerning secured transactions and consumer protections under Florida law.

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 explanation