Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8152535
Complaint Overview
Complaint ID: 8152535
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: Florida
ZIP Code: 33138
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Transunion, XXXX, and XXXX are all violating my consumer rights and reporting non public information without my consent which goes against the terms and conditions reporting banks have provided me. All three entities are third party affiliates and no one can approve the information reported except for the consumer. According to the FCRA 15 USC 1681 section 602 explains that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers RIGHT TO PRIVACY. I also have the right to opt of of reporting which is supposed to be provided to me and has never once be provided in the entire credit profile history and age. According to 15 USC 1681b permissible purpose must be presented and under no circumstances can any non public information be reported without the order of the court or the written consent of the consumer therefore leading to inaccuracys on accounts that are considered certificates of idebtdedness which is considered income by the IRS. It is illegal to report income in my consumer reports. These entities are also reporting names I do no go by, and reporting addresses that are non mailable. This is also a Violation of the Privacy Act of 1974. Transunion, XXXX, and Experian can not demonstrates, display, provide, or gather any evidence that I have given any consent to reporting nor can that show or prove they have guven me an opportunity to opt of of reporting if I choose to do so. According to 16 CFR 313.17 Transunion, XXXX, and XXXX are required to provide me with the necessary documentation to opt out. 15 USC 6802 states financial institutions may not, directly or through any affiliate, disclose to a non affiliated third party any non public personal information, unless given proper notice to the consumer as well as giving the consumer an option to Opt out. Under 15 USC 6805 the Consumer Financial Protection Bureau has the fiduciary duty, obligation, and oath to enforce these regulations. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non verbal permission in accord with 15 usc 6802. At this time I want the follow non public information and accounts removed from all reporting agencies. Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, all accounts listed are in violation of 15 USC 1681 for inaccurate reporting, and 15 USC 6805. Accounts listed as charged off all have a certificate of indebtedness and considered taxable income by the IRS and a 1099c or 1099a has been filed. I am opting out of reporting on the accounts listed above. All inquiries listed below are in violation of 15 USC 1681 for inaccurate reporting, 15 USC 6805, and 16 CFR part 313 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all accounts listed are in violation of 15 USC 1681 for inaccurate reporting, and 15 USC 6805. Accounts listed as charged off all have a certificate of indebtedness and considered taxable income by the IRS and a 1099c or 1099a has been filed. I am opting out of reporting on accounts listed All inquiries listed below are in violation of 15 USC 1681 for inaccurate reporting, 15 USC 6805, and 16 CFR part 313 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX all accounts listed are in violation of 15 USC 1681 for inaccurate reporting, and 15 USC 6805. Accounts listed as charged off all have a certificate of indebtedness and considered taxable income by the IRS and a 1099c or 1099a has been filed. I am opting out of reporting on the accounts listed. All inquiries listed below are in violation of 15 USC 1681 for inaccurate reporting, 15 USC 6805, and 16 CFR part 313 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8152535 about?
Complaint #8152535 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 2024-01-11T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.