Consumer complaint received 2024-12-17 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:
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Removal of XXXX XXXX XXXX Account ( Balance : {$72000.00} ) Ref : Violations of FCRA Provisions 15 U.S.C. 1681a and 1681b To Whom It May Concern : I am writing to formally dispute the reporting of a consumer loan account with a balance of {$72000.00} in connection to XXXX on my consumer credit report. I am not referring to any credit card accounts with XXXX. 

TransUnion is in violation of the rules of construction set forth in 15 U.S.C. 1681a. You have gathered, reported, and shared adverse/negative information without my explicit permission, despite no existing contract or signed agreement that would allow you to maintain or disclose my consumer information.

Furthermore, 15 U.S.C. 1681a ( 2 ) ( Exclusions ) mandates that specific information related to authorizations or approvals of credit must be omitted or excluded from my consumer report. By continuing to report this account, TransUnion is acting contrary to federal law.

Additionally, pursuant to 15 U.S.C. 1681b ( Permissible Purpose ), the federal government clearly gives consumers full control over their consumer reports unless there is a valid court order, subpoena, or federal directive authorizing such reporting. Federal consumer law explicitly states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Since no such court orders or subpoenas exist, the authority to allow or disallow reporting of this account rests solely with me, the consumer to whom the information relates. 

Moreover, XXXX has failed to mark this account as under dispute, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). I am not in need of TransUnion to confirm the accuracy of this matter ; I demand the immediate removal of this account from my consumer report in compliance with federal law. 

I also want to clarify that I apologize if I have inadvertently given TransUnion assumptive reporting privileges. However, it remains clear that federal consumer laws place the ultimate control of my consumer report in my hands, not with any credit reporting agency or financial institution.

In removing the account, I affirm that I will not seek civil liability pursuant to 15 U.S.C. 1681n under the FCRA for TransUnions violations in this matter. However, continued non-compliance will leave me no choice but to pursue further legal remedies to protect my rights under federal consumer law. 

Please confirm the removal of this account in writing within 30 days of receipt of this letter. Should you require further clarification, I am available at the contact information provided above. 

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