Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Alleged Violations of Regulation F and Consumer Rights To Whom It May Concern, I am writing to formally notify you of my concerns regarding your debt collection activities and to demand an immediate investigation, explanation, and resolution under Regulation F of the Fair Debt Collection Practices Act ( FDCPA ), as enforced by the Consumer Financial Protection Bureau ( CFPB ) 12 CFR Part 1006.

Regulation F prescribes strict procedures governing how debt collectors may communicate with consumers and handle their personal data. It prohibits harassment, false or misleading representations, and unfair or abusive practices, including unauthorized sharing or transferring of consumer information without consent. Recent updates to Regulation F require that debt collectors must provide clear and accurate disclosures, protect confidential consumer information, and avoid the dissemination of personal financial data to third parties except where permitted by law. 

Specifically, I have reason to believe that : My personal and financial information has been disclosed and/or sold between and among your entities and possibly other third parties without my explicit consent, beyond what is reasonably allowed under the law.

The methods used to obtain, transfer, or process my data may have contravened Regulation F requirements, protecting consumer privacy and restricting third-party disclosurespotentially resulting in the sharing or posting of unverified or disputed information, as similarly alleged in public CFPB complaints and regulatory enforcement cases. 
I have not received proper validation or itemization notices as required by FDCPA and Regulation F, including the right to dispute the debt and be assured of information privacy and accuracy.

These actionsif confirmedconstitute a violation of my rights as outlined in Regulation F and the original FDCPA. Furthermore, the improper handling or selling of my data may expose you to regulatory penalties and civil liability.

I demand the following, pursuant to my rights under the FDCPA and Regulation F : 1. An immediate cessation of all collection and data-sharing activities related to my personal information until this matter is fully investigated and resolved.

2. Full disclosure of any and all parties to whom my information was shared or sold, and the legal basis for such action.

3. Complete validation and documentation of the alleged debt, including the original creditor, amounts, all transfers of account ownership, and chain of assignment.

4. Written assurance that you will comply with all requirements of Regulation F and the FDCPA, including my rights to privacy, data correction, and dispute resolution.

If these requests are not addressed promptly, I will not hesitate to file formal complaints with the CFPB and relevant state agencies, and to consider legal action for violations of federal consumer protection statutes.

Sincerey. 

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 explanation