Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX listed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Outlined will be all the violations in accordance with the FAIR CREDIT REPORTING ACT established by United States Congress.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing pf consumer reports to the purposes listed under section 604 ( s 1681b ) 15 U.S. Code 1681 ( d ) CONSUMER REPORT. 

( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility According to the FCRA credit bureau TransUnion has violated my every right because the FCRA states consumer reporting agency. TransUnion is advertised and listed as a credit bureau not a consumer reporting agency thus violating the FCRA. ( d ) Consumer Report ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) Communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) Communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) A communication described in that subsection.

By publishing credit inquiries and or late to my consumer report TransUnion has violated the exclusions laid out in the FCRA 1 Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Transunion has caused punitive damages to the consumer trustee by being biased and furnishing information in direct violation of the law for profit in the process damaging my character and consumer report. Each violation by law is punishable by {$1000.00} for every violation.

( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Title 12 XXXX XXXXXXXX states I have the right to financial privacy XXXX. Use of information ( a ) Transfer of financial records to other agencies or departments ; certification Financial records originally obtained pursuant to this chapter SHALL NOT BE transferred to another agency or department unless the transferring agency or department certifies in writing that there is reason to believe that the records are relevant to a legitimate law enforcement inquiry, or intelligence or counterintelligence activity, investigation or analysis related to international terrorism within the jurisdiction of the receiving agency or department. 

2 ) Limitation on use Records so transferred shall be used only for criminal investigative or prosecutive purposes, for civil actions under section 1833a of this title, or for forfeiture under sections 2 981 or 982 of title 18 by the Department of Justice and only for criminal investigative purposes relating to money laundering and other financial crimes by the Department of the Treasury and shall, upon completion of the investigation or prosecution ( including any appeal ), be returned only to the transferring agency or department. No agency or department so transferring such records shall be deemed to have waived any privilege applicable to those records under law. 

S611. ( 15 U.S.C S1681i ) 5. Treatment of inaccuracy or unverifiable information ( b ) requirements relating to reinsertion of previously deleted material procedures to prevent reappearances. A consumer reporting agency shall maintain reasonable procedure to prevent reappearance in the consumer file. 

( D ) automated reinvestigation system. Any consumer reporting agency that complies and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to other such consumer reporting agencies. 

Transunion has violated the law beyond a reasonable doubt. I demand that these inaccuracies listed above be deleted from my consumer report. Failure to abide by the FCRA will lead to civil lawsuit for damages and defamation of character. I have reached out to Transunion countless times CFPB complaint # XXXX, and # XXXX about my consumer report being inaccurate. I XXXX XXXX am the one reporting these inaccuracies there is no credit repair agency writing on my behalf. Anytime information comes back supposedly verified I am not sent the proper information of how the information was verified to my address. I do not understand how these private companies who are for profit are allowed to continuously violate my rights. The law is the law I attach the law and still theses files stay on my report defaming my character preventing me from acquiring credit for a house or for my business. I have been a XXXX XXXX customer since XXXX and countless times XXXX XXXX has had major data breaches exposing my SS my birthdate and all other personal information XX/XX/XXXX and this most recent data breach of the XXXX al XXXX XXXX on XX/XX/XXXX. Also the CFPB was hacked before XX/XX/XXXX. All these companies being hacked and my personal information exposed provide proof of reasonable doubt that any information in my report is not mine. I have the right to not have to replace my SS number. We entrust our personal sensitive information with companies and then we the consumer suffer when they expose us due to negligence. 

Sincerely, XXXX 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 non-monetary relief