Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing with TransUnion, XXXX, XXXX for the last three months or more this 2021 year and I am extremely tired, exhausted, and my entire life have been altered due to them fraudulently reporting accounts without my permission. I have never received a written request for TransUnion to report anything on my report and I am extremely infuriated! I will not tolerate this foolishness and am willing to go to federal court to get this issue resolved with president of TransUnion. I'm not waiting another full day for the below accounts to be deleted from my consumer report. You have repeatedly lied and stated that you validated accounts when I the original creditor pursuant to 15 USC 1602g. Also, I do not authorize you to report any of the accounts below pursuant to ( 1 ) In general Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, that is provided to that person under section 1681b ( c ) ( 1 ) ( B ) of this title, shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that- ( A ) information contained in the consumer 's consumer report was used in connection with the transaction ; ( B ) the consumer received the offer of credit or insurance because the consumer satisfied the criteria for credit worthiness or insurability under which the consumer was selected for the offer ; ( C ) if applicable, the credit or insurance may not be extended if, after the consumer responds to the offer, the consumer does not meet the criteria used to select the consumer for the offer or any applicable criteria bearing on credit worthiness or insurability or does not furnish any required collateral ; ( D ) the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and 15 USC 1681 ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title. ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report. 

1. XXXX XXXX XXXX 2XXXX XXXX  3XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX  8. XXXX XXXX  9. XXXX Removed all inquiries from my report. I do not authorize you to report any of them and it was not initiated by me. 
Also, because TransUnion never requested permission to report any of these accounts. I am directing you to mail me a check for {$8000.00}. for each violation of the FCRA. I do not wish to negotiate. We can choke it out and you will not win in Federal court. You have defrauded me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation