Consumer complaint received 2024-03-30 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention in rectifying significant inaccuracies and unauthorized disclosures on my credit reports held by TransUnion and XXXX. These inaccuracies not only unfairly affect my financial standing but also represent clear violations of federal laws designed to protect consumers. 

Specific Concerns : Unauthorized Hard Inquiries : My reports include hard inquiries from CXXXX 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  not excluding The credit accounts ; that are being ILLEGALLY REPOTED made without my consent. This violates the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a ( i ).

Erroneous Accounts and Late Payments : Entries related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX including late payments, need immediate correction. The Truth in Lending Act ( TILA ), 15 U.S.C. 1666 ( b ), protects against unfair billing practices by ensuring accurate reporting. 

Banking Transactions and Unauthorized Disclosures : The inclusion of banking transactions and the reporting of negative information by the aforementioned entities breaches the XXXX XXXX  ( XXXX XXXX, 15 U.S.C. 6802, aimed at protecting consumer privacy. 

Immediate Actions Required : Removal of All Negative and Inaccurate Information : I demand the immediate removal of all negative and inaccurate information from my credit reports, including unauthorized hard inquiries, erroneous accounts and late payments, and any unjust banking transactions. 

Prompt Update of My Credit Report : Following the removal of inaccuracies, my credit reports held by TransUnion and XXXX must be updated promptly to reflect the corrected information within five business days from the receipt of this notice. 

Compliance Deadline : I hereby provide TransUnion and XXXX, along with the implicated entities, a strict deadline of five business days from the receipt of this notice to implement these significant corrections and updates. Failure to address these concerns within the specified timeframe will compel me to pursue further legal action to enforce my rights and seek remedies for the resultant damages. 

This situation demands your prompt and serious attention. The actions I am requesting are not only within my rights under federal law but are also critical for rectifying the harm done to my financial reputation. 

I trust that the Consumer Financial Protection Bureau will act swiftly to ensure compliance and uphold the protections afforded to me under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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