Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed that there are unauthorized and fraudulent inquiries. I am writing this letter due to the inaccurate information that has been reported on my credit profile from XXXX, XXXX and TransUnion. After researching the Terms and Conditions that was given to me from XXXX, XXXX and TransUnion Credit Bureau it states that my personal information would not be sold to a third party ; likewise, I have discovered that the credit bureaus are all third party companies. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Also, 15 USC 1681b- ( Permissible purpose of consumer reports ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code even stricter as it states that any agency can only get your report in response to a request by the head of a state or local child support enforcement agency ( or a State or local government official authorized by the head of such and agency ). 15 USC 1681 ( Requirements relating to information contained in consumer reports ) Except as authorization under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. All three credit bureaus have consistently violated my federally protected consumer rights to privacy per the Privacy Act of XXXX ( 5 U.S. Code 552a ) which states I have the right to privacy. ( b ) Condition of Disclosure - No agency shall disclose any record which is contained in a system of record by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual ( The Consumer ) to whom the record pertains unless the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. All of the adverse reporting on my consumer reports have caused me pain and suffering, emotional and financial damage, defamation of my character, and humiliation. The law says that I can request {$1000.00} for each violation Section 15 U.S. Code 1681n. 

TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand TransUnion and XXXX to produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611

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