Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8155948
Complaint Overview
Complaint ID: 8155948
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: 34203
Date Received: 2024-01-14T12:00:00-05:00
Date Sent to Company: 2024-01-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information. According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires. I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me. I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules. I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). I officially request you to remove the following accounts from my credit report within four business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of 90 days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. I hope we can resolve this matter within the specified four business days. If not, I might have to consider legal action. Thank you for addressing this promptly.
Frequently Asked Questions
What is Complaint #8155948 about?
Complaint #8155948 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 2024-01-14T12:00:00-05:00.
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.