Consumer complaint received 2024-11-22 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:
I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related laws that have directly impacted my credit report. These issues include inaccurate reporting, unauthorized inquiries, and violations of my rights as a consumer. Specifically : Willful Noncompliance with Accuracy Standards Under FCRA Section 616 ( 15 U.S.C. 1681n ), there has been a failure to ensure the accuracy of the information reported about me. Credit entries and inquiries were added to my report without verification, exposing me to inaccuracies that could lead to legal liability of up to {$1000.00} per violation. 

Failure to Disclose Consumer Opt-Out Rights As required by FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of sharing my personal information with third parties, which constitutes a deceptive violation of my rights. 

Furnishing Inaccurate Information Per FCRA Section 623 ( a ) ( 3 ), inaccurate inquiries and account entries were reported without proper validation. This includes errors in account details and reporting late payments that do not reflect reality. 

Debt Collection Harassment and Unfair Practices Violations of the Fair Debt Collection Practices Act ( FDCPA ) include reporting debts inaccurately and contacting third parties regarding alleged debts without my consent. This caused undue distress and unwarranted creditor communication. 

Unauthorized and Inaccurate Reporting of Late Payments Late payments were falsely reported on accounts such as XXXX XXXX XXXX XXXX without proper definition or substantiation, violating the FCRAs accuracy requirements. 

Inaccurate Finance Charges Finance charges on reported accounts were calculated incorrectly, a failure of the reporting entities to comply with their legal responsibilities. 

Unauthorized Hard Inquiries Entities like XXXX XXXX XXXX XXXX initiated hard inquiries on my credit report without my express consent, violating 15 U.S.C. 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports.

Failure to Validate Debts Debt collectors, including XXXX XXXX XXXX XXXX XXXXXXXX failed to provide adequate validation of alleged debts under 15 U.S.C. 1692g. They did not furnish original signed contracts or proof of authorization, making their actions unlawful. 

Given these violations, I requested : Immediate removal of all inaccurate and unauthorized accounts, including XXXX XXXX XXXX XXXX XXXX among others. 
Deletion of incorrect addresses and personal information from my credit report. 
Validation of all debts, with appropriate documentation to confirm their legitimacy, failing which the accounts must be deleted. 
Removal of unauthorized hard inquiries. 
I expect timely resolution, and failure to address these violations will leave me no choice but to pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Sincerely, 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