Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made continuous complaints about TranUnion defamatory and inaccurate reporting on my credit scores and history. I have been denied credit twice due to this defamatory and discriminatory reporting. I started with a XXXX XXXX XXXX on XXXX and on XXXX I was denied credit because of a tremendous drop in my credit score. I was XXXX and on just a matter of XXXX weeks I was XXXX. That is a XXXX point reduction, without any explanation and for the record nothing had changed on my credit report. Now I am being denied credit a second time, in which TransUnion is reporting my score as XXXX. The lender advised my score was reported to them as XXXX. I have attached a copy of the date and credit score showing XX/XX/XXXX with a XXXX XXXX XXXX XXXX. I am seeking monetary compensation for the amount of damage and the repeated FCRA violations by TransUnion. Please see below the number of times I have filed complaints with CFPB about the FCRA violations of TransUnion : ( complaints case numbers below ) XXXX XXXX XXXX I will also be escalating this matter further. CFPB I have reported this matter of the above violations several times but to no avail. I will be seeking monetary compensation! This has caused undue damages on my credit and the inability to obtain credit in the financial market such as other individuals. I have the right as a citizen to a fair chance in the financial market but I am being denied that right due to discriminatory, unethical and defamatory practices by TransUnion. Not to mention the one dispute about this collection agency XXXX XXXX, who never provided me with any debt validation and has not proven thus collection as mine. They are reporting that the are a Factoring Company Account  at first they said they were a collection agency. Factoring companies collect money now on accounts receivables due in the future ; collections agencies collect money now on accounts receivables that have gone into collection. I used to work for XXXX XXXX via XXXX and XXXX, which is a debit collection agency, and I was never presented with any of this information which is ironic. I stopped working there in XXXX. This alleged collection came about, according to XXXX XXXX opening date in XXXX. This alleged debit is from a charge off account in XXXX, in which now XXXX XXXX went from reporting as a Collection Agency to now a Factoring company. I have made several complaints about this reporting from XXXX XXXX on my TransUnion report as well : XXXX XXXX It is clear the FCRA violations of TransUnion are malicious and intentional against me as a consumer. I have the right as a citizen to obtain financial stability with fair practices in the financial market. I am being denied that right by TransUnion and their discriminatory, inaccurate and defamatory reporting practices, which is in violation of the FCRA. 
15 U.S.C. 1681s-2 15 U.SC. 1681o

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 non-monetary relief