Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On the XXXX  day of the month of XXXX in the year 2024, I, XXXX XXXX, the federally protected consumer, identified a clear violations of Fair Credit Report Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ) and Privacy of Consumer Financial Information Act ( Regulation P ) on my consumer report from TransUnion, the consumer reporting agency. I am writing to express my deep frustration and concern regarding the gross inaccuracies in my consumer report and the subsequent violation of my privacy rights. The errors in my report have caused me significant financial harm and distress, leading me to lose all faith in our banking system. 

The violating information relates to an account with XXXX XXXX  XXXX, a financial institution. Specifically, TransUnion, is reporting inaccurate and inconsistent information regarding the Payment Status and Payment History : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX - XXXX ; XXXX - XXXX, which violates section 602 subsection ( a ) and ( b ) of the FCRA. These direct violations of section 607 subsection ( b ) of the FCRA which states : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting an account status as paid and paying as agreed is not consistent and reporting could not possibly be accurate when the consumer reporting agency is also reporting the payment history as late. Additionally, section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states that the term " consumer report '' does not include : " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Payment history, when reported by a financial institution, reflects my direct transactional experiences as a consumer. Furthermore, TransUnion, are nonaffiliated third parties to XXXX XXXX  XXXX and pursuant to GLBA and Regulation P section XXXX ( a ), XXXX XXXX XXXX rights and powers to share my nonpublic personal information have been revoked, meaning information such as Payment History has been reported illegally regardless. 

These violations have resulted in emotional pain and suffering, a significant and unlawful reduction in my credit score, denial of credit applications, higher interest rates and denials in opportunities for employment. 

I remind you that under Fair Credit Report Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ) and Privacy of Consumer Financial Information Act ( Regulation P ) you are obligated to ensure the accuracy and lawfulness of the information you report. This outdated information is negatively impacting my credit score and does not accurately represent my current financial situation or creditworthiness This information requires amendment to reflect a non-adverse status of the account.

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