Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally notify you of a violation of the Fair Credit Reporting Act ( FCRA ) that has negatively impacted my rights as a consumer. Specifically, Transunion has failed to comply with the provisions of 15 U.S.C. 1681b, 1681c-2, and 6802, which have been designed to protect consumer information and ensure timely communication from reporting agencies. Violation of 15 U.S.C. 1681b : It is my understanding that Transunion utilized my consumer report for purposes not prescribed by the FCRA without my explicit consent and failed to provide me with the required notice within five days of this action. This unauthorized access and lack of notification is a clear breach of the FCRA 's guidelines designed to safeguard consumer privacy and inform consumers of the use of their credit information. Violation of 15 U.S.C. 1681c-2 : Additionally, transunion has not adhered to the requirements set forth in 1681c-2 regarding the proper and timely updating of consumer information. This failure has resulted in outdated or incorrect information being reported, further jeopardizing my financial well-being and creditworthiness. Violation of 15 U.S.C. 6802 : transunion has also violated 6802 by failing to provide me with a notice of my rights under the FCRA, which is a fundamental requirement to ensure that consumers are aware of and can exercise their rights to dispute inaccuracies and access their credit information. As a result of these violations, I have suffered unnecessary hardship, including but not limited to, financial damages and undue stress. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. My date of birth is XX/XX/year>. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My phone number is XXXX. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX XXXX NY XXXX. Thank you.

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