Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8575118
Complaint Overview
Complaint ID: 8575118
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: Pennsylvania
ZIP Code: 159XX
Date Received: 2024-03-18T12:00:00-05:00
Date Sent to Company: 2024-03-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Ive made several attempts to all ( XXXX ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. None of these accounts or creditors has provided with proper disclosure of 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ). I request that my state ID reflect my only address that's reachable to me per United States Postal Services. Transunion are showing inaccurate information regarding my personal information. ( XXXX ) Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : XXXX. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND. *THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES. Accounts : XXXX XXXX Account # XXXX This account is a charge off, these are clear violations : - Last activity has been reaged - Remarks showed i have requested reinvestigation - High balance on a charge off - Credit limit on a charge off - Noncompliance this company has no contact information to dispute or contact - Inquries has no permissble purpose
Frequently Asked Questions
What is Complaint #8575118 about?
Complaint #8575118 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 2024-03-18T12:00:00-05:00.
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.