Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13574020
Complaint Overview
Complaint ID: 13574020
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Jersey
ZIP Code: 07501
Date Received: 2025-05-17T12:00:00-05:00
Date Sent to Company: 2025-05-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : Account XXXX ( XXXX ) : # XXXX, # XXXX, # XXXX, # XXXX These accounts have willfully and/or negligently violated my rights under federal law. Specifically : 15 U.S.C. 1681 Section 602 ( a ) clearly states that Congress determined there is a need to ensure fair and accurate credit reporting and to protect consumer privacy. This section emphasizes the importance of maintaining the confidentiality, accuracy, relevance, and proper utilization of consumer information. 15 U.S.C. 1681b ( Section 604 ) outlines the permissible purposes for obtaining a consumer report. Section 604 ( a ) ( 2 ) specifically states that a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. I have not provided written authorization or instructions allowing the dissemination or reporting of my consumer information in relation to the accounts listed above. Therefore, I am demanding the immediate deletion of any unauthorized accounts or entries associated with my credit file that were reported or accessed without my explicit written consent, in violation of the FCRA. Failure to comply with these federally protected rights may result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing claims in federal court for damages pursuant to 15 U.S.C. 1681n and 1681o. Please confirm in writing that these accounts will be deleted and that no further violations will occur. This is an official notice and should be treated as such.
Frequently Asked Questions
What is Complaint #13574020 about?
Complaint #13574020 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-17T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.