Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8246928
Complaint Overview
Complaint ID: 8246928
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: Michigan
ZIP Code: 49505
Date Received: 2024-01-29T12:00:00-05:00
Date Sent to Company: 2024-01-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Urgent Redressal Required : FCRA and Privacy Violations by CRAs and Financial Entities Dear Consumer Financial Protection Bureau, I am writing to seek immediate intervention and redressal for serious breaches of the Fair Credit Reporting Act ( FCRA ) and privacy laws by XXXX, TransUnion, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entities have egregiously violated my consumer rights and federal laws, specifically under 15 USC 1681a 2 ( A ) i ) and 15 U.S. Code 6802. FCRA Violations by Credit Reporting Agencies : XXXX, TransUnion, and XXXX have failed in their duty to ensure accurate and legal reporting of consumer credit information. This is evident in their handling of unauthorized transactions reported by XXXXXXXX XXXX ( Account Number : XXXX ) and the reporting of a debt sold by XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. These actions directly contravene the stipulations of the FCRA, which explicitly excludes reports containing information solely about transactions or experiences between the consumer and the person making the report. Illegal Disclosure of Personal Information : Furthermore, the actions of XXXXXXXX XXXX and XXXX XXXX in disclosing my personal and financial information without my consent or proper notice is a clear violation of 15 U.S. Code 6802. This breach of privacy laws is compounded by the CRAs ' failure to prevent such disclosures from affecting my consumer reports. Demand for Immediate Corrective Action : In light of these violations, I, XXXX XXXX, demand that XXXX, TransUnion, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX take immediate steps to block and delete all inaccurate and unauthorized information from my consumer reports. This action is imperative to comply with the FCRA and protect my legal rights. Request for Full Investigation and Compliance : I urge the CFPB to conduct a thorough investigation into these matters. It is essential that these entities not only rectify the current violations but also implement measures to prevent future breaches of consumer protection laws. Expectation of Prompt and Lawful Response : As a consumer, I expect a swift and lawful response from all entities involved. The adherence to federal statutes and the protection of consumer rights should be the utmost priority for these organizations. Thank you for your attention to this urgent matter. I trust in the Consumer Financial Protection Bureau 's commitment to enforcing consumer rights and anticipate a prompt and effective resolution. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8246928 about?
Complaint #8246928 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 2024-01-29T12:00:00-05:00.
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.