Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have new and updated information in regards to CFPB complaint ID # XXXX TransUnion LLC. , YOU BROKE THE LAW!!!!

PURSUANT TO 15 USC 1681i - I sent a dispute ( Exhibit A ), that TransUnion received XX/XX/2022, all via CFPB, Demanding TransUnion to remove this inaccurate information or send proof of, and method of verification and TransUnion has failed to do so WITHIN 30 DAYS OF RECEIVING the complaint and DID NOT provide proof of investigation nor verification when TransUnion finally responded XX/XX/2022, approximately 42 days later. This is the second violation of this code ( Exhibit B ). TransUnion even went as far as to misleadingly state in response that they have 60 days instead of the federally regulated time of 30 days. 

PURSUANT TO 15 USC 1681i ( a ) ( 6 ) ( A ) - TransUnion have failed to send the results of your reinvestigation within 5 business days.

PURSUANT TO 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ) - TransUnion has failed to to send a consumer report that is based upon, I, the consumers file as that file SHOULD BE revised as a result of the reinvestigation.

PURSUANT TO 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) - TransUnion has failed to send a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnishers of the information, whom should have been contacted in connection with such information and the telephone number of such furnishers.

PURSUANT TO 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. TransUnion continuing to report this inaccurate information is EXTREMELY UNFAIR to me because I was never notified when this inaccurate information was furnished, and I was also not notified when during TransUnions initial investigation that TransUnion was going to report this information.

PURSUANT TO USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In TransUnions initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

PURSUANT TO 15 USC 1681 ( a ) ( 4 ) - TransUnion did not insure that this information was accurate nor did you exercise your GRAVE responsibility with fairness and IMPARTIALITY. TransUnion took only one side of the story and never consulted with me to find out if these transactions even took place. As a result of this MY PRIVACY HAS BEEN BREACHED, and this is a violation of my right to privacy. 

I DEMAND TRANSUNION to SEND ME EVERY DOCUMENT AND PIECE OF DATA CONTAINED IN MY CONSUMER FILE via CFPB. 

REGARDING THE FOLLOWING ALLEGED ACCOUNTS XXXX. XXXX ACCOUNT # : XXXX XXXX. XXXX XXXX XXXX ACCOUNT # : XXXX XXXX. XXXX XXXX XXXX ACCOUNT # : XXXX I DEMAND TRANSUNION TO DELETE THESE ALLEGED ACCOUNTS OR PROVIDE PROOF OF THE RE-INVESTIGATION YOU CLAIM TO HAVE PERFORMED ON THESE ACCOUNTS between the dates of XX/XX/2022 and XX/XX/2022, INCLUDING, BUT NOT LIMITED TO, MY WRITTEN PERMISSION TO TRANSUNION LLC TO REPORT THESE ACCOUNTS. 

I DEMAND MONETARY RELIEF IN THE AMOUNT OF {$8000.00} FOR STATUTORY DAMAGES RESULTING FROM THE XXXX FCRA VIOLATIONS LISTED ABOVE. 

FAILURE TO COOPERATE AND COMPLY TO THE DEMANDS THAT I, XXXX XXXX XXXX, THE LIVING PERSON AND FEDERALLY PROTECTED CONSUMER, HAVE STATED HERE WILL RESULT IN LITIGATION.

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