Consumer complaint received 2024-05-10 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: NV

Complaint narrative:
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 Part of the fair credit reporting act 15 USC states consumer credit reporting agencies exercise their responsibility with fairness, impartiality, and a respect for consumers right to privacy. The credit bureaus are consumers reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared. Which is back by 15 USC 6801. It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information Those reporting agencies do not have my consent or my written consent. Any and all consent, whether verbal, non verbal, written, implied or otherwise is revoked. 15 USC 6802 states a financial institution may not disclose non public personal information to a non affiliated unless the consumer is given an explanation of how the can exercise that non disclosure option. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of alleged debt nor therefore any such debt, in fact exists. 15 USC 1692c ( c ) " That the Law clearly states '' If a Consumer notifies a Debt Collector in writing that the Consumer refuses to pay a debt The Debt Collector must Cease all Communication. According to 15 USC 1681 of the FCRA, consumer reporting agencies are required to obtain written consent from consumers before furnishing or obtaining their credit information. I have reviewed my credit report and identified instances where my credit information has been furnished or obtained without my explicit written consent. 

I hereby dispute the accuracy and legality of the credit information reported or obtained by [ Credit Bureau Name ] on the grounds that I never provided written consent for such actions. As per 15 USC 1681, I request that [ Credit Bureau Name ] investigate this matter promptly and remove any inaccurate, unauthorized, or improperly obtained information from my credit report. 

Enclosed with this letter are copies of documents supporting my identity and any relevant information related to the disputed credit items. I request that these documents be reviewed as part of the investigation process. 

Please provide me with a written response acknowledging the receipt of this dispute letter and the initiation of an investigation within the timeframe mandated by law. 

According to FCRA section 605b it is illegal to report information on my credit report without my permission. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, 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