Consumer complaint received 2024-09-23 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: CT

Complaint narrative:
I am writing to formally express my deep concern and dissatisfaction with the credit bureaus for sharing my personal and credit information with third parties without my explicit permission. Over the past year, I have made multiple attempts to rectify inaccuracies in my credit report, but these issues remain unresolved. Additionally, no authorization has been given to the credit bureaus to share any information concerning my credit history with any third parties, yet such information continues to be disseminated. 

Here are the specific concerns : Unauthorized Sharing of Information : Despite never granting permission, my personal and credit details have been shared with various third-party entities, causing significant harm and distress. On several occasions, including on XX/XX/XXXX, and XX/XX/XXXX, I received notifications that my credit information was accessed by companies with whom I have no relationship. I did not provide any form of written or verbal consent for these inquiries. 

Inaccurate Account Information : Several accounts listed on my credit report contain inaccuracies. For instance : XXXX bank had incorrectly reported a balance of {$5800.00} on an account I closed on XX/XX/XXXX. I have disputed this error multiple times, beginning with a dispute filed on XX/XX/XXXX, followed by subsequent disputes on XX/XX/XXXX, and XX/XX/XXXX. 

XXXX is reporting XXXX late payments which is erroneous, as this account was settled in full. 

The credit reporting agencies have demonstrated a failure to address disputes : I have filed disputes regarding these inaccuracies with all three major credit bureausExperian, XXXX, and TransUnion. Despite providing ample documentation, including bank statements, letters from creditors, and proof of payments, these disputes remain unresolved. I submitted a dispute with supporting documentation regarding several inaccurate accounts, but the credit bureaus simply marked it as " verified '' without providing any substantial investigation. 

Negative Impact on Credit : The unauthorized sharing of my information and the continued reporting of inaccurate details have had a significant negative impact on my XXXX XXXX. As of XX/XX/XXXX, my XXXX XXXX has dropped by over XXXX points, affecting my ability to secure loans, credit, and other financial services. 

I have taken the following actions to resolve these issues : Filed formal disputes with the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Contacted individual creditors directly on multiple occasions to correct the inaccurate information. 

Sent letters to the credit bureaus requesting they cease sharing my information with third parties without my permission, with no response received. 

Despite these efforts, the issues persist. I demand that the credit bureaus immediately cease the unauthorized sharing of my information, correct the inaccuracies in my credit report, and provide a formal acknowledgment that my disputes are being properly investigated.

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