Consumer complaint received 2024-05-28 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:
I've looked at my credit report again on XX/XX/year> and i still see some things that was incomplete and inaccurate. And according to the fair credit reporting act whenever a credit 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 to. These accounts XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX INT Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX are not complete or accurate. 

Also according to 15 usc 1681s-2 states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

By the way the companies listed and transunion credit bureau is in violation of the following : Violation of 15 U.S.C. 6802 ( b ) Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ( b ) ), financial institutions, including consumer reporting agencies, are prohibited from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without providing the consumer with a clear and conspicuous notice that accurately reflects the institution 's privacy policies and practices.

Additionally, the consumer must be given a reasonable opportunity to opt-out of such disclosures before they occur. I have not received any such notice or opportunity to opt-out regarding the aforementioned accounts.

Violation of 18 U.S.C. 1028 ( c ) The unauthorized disclosure and potential misuse of my personal information may constitute a violation under 18 U.S.C. 1028 ( c ), which addresses fraud and related activity in connection with identification documents, authentication features, and information. Unauthorized disclosure of my personal information without proper notice and consent is a serious matter.

Violation of 15 U.S.C. 1601 Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1601 ), consumers are entitled to be informed about the terms and conditions under which their personal information will be shared.

This Act emphasizes the need for transparency and fairness in consumer credit reporting.

Last but not least by way of the Right to Deletion under Section 1798.105 ( CCPA/CPRA and VCDPA ) Under Section 1798.105 of the California Consumer Privacy Act ( CCPA ) and the California Privacy Rights Act ( CPRA ), as well as similar provisions in the Virginia Consumer Data Protection Act ( VCDPA ), I have the right to request the deletion of my personal information held by your company.

This right to deletion includes the removal of all records related to the aforementioned accounts from your databases and from the databases of any third parties with whom you have shared my information. in which transunion have IGNORED all of my requests for deletion.

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