Consumer complaint received 2024-10-22 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:
Dear TransUnion As a Federally protected consumer, I have noticed several violations to my rights Also several of my accounts are inaccurate. Several of my nonpublic information has been exposed, I have been a victim of identity theft before and information being broadcasted in the manner you have I am now susceptible to being a victim once again.My XXXX account & my XXXXXXXX XXXX accounts gives an great amount of in depth information, such as the amount I paid and the exact date etc. that information violations 16 CFR 313.3 Definitions ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 
The exact amount, dates & current status of the account is only information that can be obtained by using my non public information .Also that particular information isnt public hence to why you have to call and give certain information to access those details. 
( XXXX ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( n ) ( 1 ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available Also to mention the discrepancies between my files, XXXX has no collections after an extensive investigation on those fraudulent accounts. All three collection accounts that are inaccurate and need to be validated correctly, Not verified! A collection agency can not just make claims against a consumer with no proof of proper documentation of an signed, agreed legally binding contract between me the federally protected consumer and themselves.The FCRA doesnt permit such activities, XXXXXXXX XXXX isnt and have never been a reliable source.THE FAIR CREDIT REPORTING ACT & THE FAIR DEBT COLLECTION ACT ensures Due process in which is owed to the consumer to conduct a fair investigation of an alleged claim.In addition the original creditor filed an 1099 ( C ) ( Cancellation of debt ) and the debt is now a CERTIFICATE OF INDEBTEDNESS, with that you can no longer collect or claim on the debt it has been written off and the charge off being filed operated as a benefit { please refer to IRS XXXX XXXX bad debt deduction } .Offsetting the negative in result gave them a qualifying tax deduction that can be credited. credit subtracts an amount from a person 's tax liabilities, a tax deduction is a qualifying expense that reduces the amount of income that can be taxed. Not only is it a benefit, but it is also accounted as income and reporting income is illegal. 
[ U.S. Code 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 ] Verification is the process of establishing that something is true, correct, or real, XXXX XXXX showing a contract between me and the original creditor is only verifying that there was a contract between a consumer and a cooperation. Validation is the action of checking or proving the validity or accuracy of something, XXXXXXXX XXXX has to prove that their claim that I owe them debt is accurate, to prove accuracy XXXXXXXX XXXX  would have to possess a true copy of a contract explicitly between I the consumer and them .To which they dont possess ..Any form of that would be fabricated, for the reasoning that Ive never had nor established a contract with XXXXXXXX XXXX nor XXXX XXXX XXXX XXXXXXXX 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