Consumer complaint received 2024-01-27 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: NY

Complaint narrative:
My demands are clear and concise. I do not need to prove who I am any more than what identifying information I have already provided. Why is transition asking for proof of my employment? Provide the law that states that I have to prove where I am employed. TransUnion has XXXX right to proof of employment and I am under no obligation to prove it. Transunion need to prove how they can verify information without speaking to the creditor ( myself ). Transunion has failed to hold clear, concise and CONSISTENT reporting between them and the other consumer reporting agencies. Lets try again, before litigation. this will be the final attempt. It has come to my attention, upon further investigation, that Transunion is still willingly violating federally protected consumer laws by selling nonpublic personal information and allowing companies to commit fraud with my estate and violate the privacy act. I have not granted permissible purpose pursuant to 15 USC 1681. All 3 companies have allowed income to be reported on my reports in the guise of a " charge off '' ( certificate of indebtedness ). They are aware that income is not to be reported on any persons credit report. All 3 companies have violated 15 USC 6802 thru 15 USC 6805 and no option to opt out of reporting were given at any time. All 3 agencies have inconsistencies through out ALL 3 reports are to remove the following from my credit report. If anything that has not been validated by myself, remains on my report, I reserve my right to file suit. All communications will be utilized as evidentiary information. TRANSUNION : REMOVE EMPLOYMENT " XXXX XXXX XXXX XXXX'. REMOVE ALL ADDRESSES, THEY ARE NON-MAILABLE ADDRESSES. REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX. REMOVE XXXXXXXX XXXX XXXX REMOVE XXXX XXXX XXXX XXXXXXXX. REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX. ALL COMPANIES HAVE FAILED TO RESPOND TO DEBT VALIDATION LETTERS. HARD INQUIRIES TO BE REMOVED XXXX XXXX ( bank ). XXXX : REMOVE NON MAILABLE ADDRESS- XXXX XXXX XXXX XXXX XXXX NJ XXXX. REMOVE ACCOUNTS FOR FAILURE TO VALIDATE : REMOVE XXXX XXXX XXXX XXXX, REMOVE XXXXXXXX XXXX XXXX XXXX, REMOVE XXXX XXXX XXXXXXXX, REMOVE XXXX XXXXXXXX XXXX XXXX : REMOVE EMPLOYMENT " XXXX XXXX', REMOVE " XXXXXXXX XXXX ''. REMOVE FOLLOWING NON MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX '', REMOVE XXXX XXXX XXXX XXXX XXXX NY XXXX, REMOVE XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX REMOVE XXXXXXXX XXXX REMOVE XXXXXXXX XXXX XXXX XXXX XXXX XXXX REMOVE XXXX XXXX. please be advised, if ANY of the above information remains on my report, i reserve my right to file suit against all 3 bureaus. I XXXX XXXX XXXX have NOT validated, nor verified, ANY of the above information nor was permission given under 16 CFR 313 and 15 USC 1681. I am the only one who can validate any information and I exercise my right to OPT OUT of reporting THAT I DO NOT AUTHORIZE. THIS IS A FINAL NOTICE. Again, if this is not verified by the true creditor, then none of it is to show on the report. Transunion must prove that they have validated all information with myself. Attached is a screenshot of XXXX falling in line and understanding that they have misused my credit report, just as Transunion has. A fee schedule will be submitted, if my above demands are not meant.

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