Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
Here is the revised letter based on your request : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX TransUnion Litigation Department [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga, XXXX ] To Whom It May Concern, I, [ XXXX A XXXX ], as a consumer and natural person, am fully aware of my rights protected under the Fair Credit Reporting Act ( FCRA ), enacted by Congress to ensure fairness, accuracy, and the protection of consumer privacy. I am writing to formally address the violations of my federally protected rights under 15 USC 1681 by TransUnion and XXXX XXXX. 

It has come to my attention that XXXX XXXX has reported my private and personal information without my explicit consent, a clear violation of 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ). Additionally, TransUnion has assumed the role of assembling and reporting information about me, but has done so in a manner that fails to adhere to the fairness, accuracy, and equitable practices mandated under the FCRA. 

Specifically : XXXX. XXXX XXXX provided my information without my permission or permissible purpose, as required under 15 USC 1681b.

2. TransUnion has unlawfully shared and sold my personal and private information to third parties, including XXXX and XXXX, without my consent or notification. 
XXXX. Today, I received three dispute results that were opened without my authorization by TransUnion. These disputes were also handled improperly, as TransUnion failed to supply the previously requested and mandated verification documentation, as well as the specific investigation procedures required by law to accompany statements of verification. 

As the consumer and natural person, I am invoking my rights under the FCRA and demanding the following actions be taken immediately : 1. Cease and desist reporting of the XXXX XXXX account to all consumer reporting agencies. 
2. Remove all reporting of the XXXX XXXX account from TransUnion, XXXX, and XXXX databases. 
XXXX. Provide documentation and detailed information on the unauthorized disputes that were initiated, including the investigation procedures and supporting verification materials. 

Failure to comply with these demands will serve as evidence of willful and deceptive violations of the FCRA, as well as infringements on my rights to privacy and confidentiality under federal law. Please treat this letter as a formal Cease and Desist notice. 

I expect a timely response within 5 days addressing all the demands and providing the appropriate verification documents as stated and mandated above. Should TransUnion fail to resolve this matter, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), pursue legal remedies, and seek damages for the violations of my federally protected rights. 

Sincerely, [ 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