Consumer complaint received 2024-05-04 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: MI

Complaint narrative:
I XXXX XXXX after Doing my studies and research, I have discovered many violations and fraud including identity theft against my consumer credit report. I have disputed these accounts before and this account is still in major violations of my consumer rights. The consumer reporting agency TRANSUNION XXXX, XXXX, XXXX XXXX XXXX XXXX  is in violation of the Privacy Act of 1974, Fair Credit Reporting Act and According to IRS publication accounts that are charged off/sold off are considered certificate of indebtedness which is income and income can not be reported on my consumer credit report. All charged off accounts/ closed accounts are to be deleted immediately for proper tax filings. I have previously opted out of all communication sharing of my information previously. The company ignored my opt-out request. I have listed some of the violations to which these charged off accounts are to be immediately removed. The CFPB has the responsibility to the rules and regulations concerning violation of consumer rights as well as violation of federal and state laws. XXXX CFR XXXX - Unfair credit practices XXXX XXXX Code XXXX - Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) Information regarding inquiries Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XXXX - Form of opt out notice to consumers ; opt out methods. ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. I have to right to compensation per violation per month reporting. 

I have a right to file complaint with the Attorney General, FTC, and the SEC for XXXX constant violations and fraud as well as identity theft. The law allows me to receive up to {$1000.00} per violation. The law also allows me to seek compensation due to hardship, XXXX XXXX XXXX XXXX, which affected me and my kid's/family XXXX  cause me to be on multiple XXXX XXXX medicines loss of fair and equal opportunity of credit extension. 

I would like any and all original signed with ink on paper by me documents to show that I agreed for the XXXX department of Education to put themselves on my credit file which cause definition of character on my credit report and also discrimination.

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