Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I am disputing the Account stated in this document. Previously, I disputed this account ( XXXXXXXX XXXX XXXX ) information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt Tell me how is this possible when you have employees and automated systems in place reviewing and judging hundreds including my disputes within seconds. It's no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself and they have failed to validate the debt is owed by me. I have every right to believe this debt was not validated exhibit A. You sent me my investigation paperwork with the WRONG NAME ( XXXX XXXX XXXX is not my name ) You would know that if you actually investigated and read anything I Sent. 
Exhibit B. Any past due medical bill I had was paid in agreement ( Receipt with pictures ) Exhibit C. You nor the company ( XXXX XXXX  XXXX XXXX has any valid receipts governing and proving I owe them any form of debt ( I am also requesting each of you to send me any proof of any debt owed to them ) Your agency and this debt collector is in validation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.__ Except for information or any communication of information disclosed as provided in., the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is -- ( A ) Medical information ; ( B ) An individualized list or description based on the payment transactions for medical products or services ; or ( C ) An aggregate list of identified consumers based on payment transactions for medical products or services. 

Your also in violation of 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.

Under 15 u.s.c Sec. 1681 ( a ) You must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. 
If you can not verify the item pursuant to FCRA. And you continue to report it on my credit report. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. Including a smalls claims court in my area. This is my warning. I demand you to delete this ( XXXX XXXX XXXX  ) at once.

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