Consumer complaint received 2024-11-20 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: MS

Complaint narrative:
I, XXXX XXXX, discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and am now disputing these issues with the credit reporting agencies and debt collectors. The key violations I identified are as follows : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted inaccurate credit information about me without properly verifying it. Under U.S. Code, 15 U.S.C. 1681n, this can result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Personal Information Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency failed to inform me about my right to opt out of sharing my personal information. This omission violated my consumer rights.

Furnishing Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) : The credit reporting agency furnished inaccurate inquiries and accounts without proper validation. This is a violation of accuracy standards outlined in 15 U.S.C. 1681e ( b ), which mandates that credit reports must be accurate and up to date.

Debt Collection Violations ( Debt Collection Practices Act and FCRA Section 623 ( a ) ) : Debt collectors reported inaccurate debts without my consent, causing harassment and distress. Under 15 U.S.C. 1692g, they are required to cease collection until they validate the alleged debts. 

Failure to Define Late Payments : The credit reporting agency reported " late payments '' without clearly defining what constitutes a late payment, which is both deceptive and inaccurate. 

Unauthorized Credit Report Access ( FCRA Section 1681b ( a ) ( 2 ) ) : Unauthorized inquiries were made on my credit report, such as the XXXX from XXXX XXXX on XX/XX/2023, without obtaining my written consent. This violates the permissible purposes for which credit reports can be accessed. 

Failure to Determine Accurate Finance Charges : The credit reporting agency did not properly determine finance charges, a responsibility outlined under FCRA guidelines. 

As a result, I have formally requested the following actions based on the violations I listed : Immediate deletion of incorrect personal information, such as the addresses XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX, XXXX, GA XXXX. 
Correction of inaccurately reported late payments, particularly for the XXXX XXXX account, which I request be updated to reflect that the payments were made as agreed and never late. 
Validation of the debts reported by XXXX XXXX XXXX, XXXX XXXX, and other debt collectors under 15 U.S.C. 1692g, including requests for supporting documents such as original contracts, signatures, or proof of the original creditor. 
Removal of unauthorized hard inquiries, such as the one made by XXXX XXXX on XX/XX/2023, which I did not authorize. 
I expect a prompt response and a resolution of these issues. If these violations are not addressed, I am prepared to pursue legal action as permitted under the Fair Credit Reporting Act ( FCRA ).

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