Consumer complaint received 2024-06-06 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: MD

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, TransUnion, and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These credit reporting agencies have consistently reported inaccurate information on my credit profile, including erroneous late payments, incorrect account statuses, and inaccurate balances. Despite my numerous attempts to rectify these issues, the inaccuracies persist, and my requests for correction and updates have been ignored.

The violations are as follows : 1. Inaccurate Reporting : My credit reports contain numerous errors, including but not limited to : * Incorrect late payment reports. 
* Inconsistent account statuses. 
* Discrepancies in account balances. 
* Failure to update my address despite multiple requests. 
* Multiple variations of my name, whereas I have specified the correct spelling.

2. Violation of Consumer Rights : As stipulated under 15 USC 1681, there is an imperative need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. My right to have accurate and consistent information reported by all three credit bureaus has been blatantly disregarded. 
3. Lack of Response and Rectification : Despite my formal complaints and requests for corrections, the credit reporting agencies have failed to update my profile accordingly. I have explicitly requested that all communications regarding the updates be provided to me in writing, yet I have received no such communication. 
I am deeply concerned about the impact of these inaccuracies on my financial health and the potential repercussions on my ability to access credit. It is both unfair and unlawful for these credit reporting agencies to neglect their duties, causing undue harm to consumers like myself. 
I am urgently requesting the CFPB 's immediate intervention to : 1. Investigate XXXX, TransUnion, and XXXX for their non-compliance with the FCRA, ECOA, Privacy Act of 1974, and GLBA.

2. Ensure that all inaccurate information on my credit reports is corrected promptly.

3. Mandate that the credit reporting agencies provide written confirmation of these corrections.

4. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I am counting on the CFPB to uphold its mandate to protect consumers and ensure that these agencies adhere to the laws designed to safeguard our rights and financial well-being. Your prompt attention and action in this matter are crucial and highly appreciated. 
Thank you for your immediate assistance.

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