Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

I have sent numerous letters and disputes regarding certain accounts to each of the credit reporting agencies stating that I did not give consent for the account to be furnished on my credit report. The companies have responded that they have verified the information without the necessary documents to prove so. In order for an account to be verified, the CRA 'S must send the method of verification along with documentation of the investigative consumer report. The agencies have violated my right to privacy pursuant to 15 U.S Code 1681a ( 4 ) which states that agencies may not furnish any information without my expressed written consent. This action accounts for identity theft by each of the credit reporting agencies. Furthermore, pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ), credit reporting agencies must give me, the consumer, the option to opt of of any reported information. None of the agencies gave me the option to do so.

According to 15 U.S Code 1681a ( 2 ) ( A ) ( i ), the information reported can not only be transactions between the consumer and the companies listed on my credit report. The credit reporting agencies continue to report each of the accounts listed as verified with transactions without valued verification.

Credit reporting agencies need written instruction to furnish any credit reporting by myself, the consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ). I have never given any of the credit reporting agencies written consent or authorization for negative information to be furnished on my credit report. The agencies have committed fraud by using my identifying information without any unlawful authority to furnish information. By definition, these agencies have committed identity theft. 

According to 15 U.S Code 1681c2 ( a ), if I, the consumer provide the credit reporting agency a written statement of fraudulent activity ( along with appropriate proof of identity, a copy of the identity theft report ), the agency is required by law to block the information on my consumer report within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I mailed each of the credit reporting agencies a statement of fraudulent activity, a copy of my report with the FTC, and identifying documents ( driver 's license, and social security card ). I have not included a copy of my personal information with this complaint for security purposes. I have also attached a UCC-11 to this complaint lien search to show that I do not owe the alleged debts shown on the negative accounts reporting on my consumer report.

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