Consumer complaint received 2023-01-05
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion LLC Consumer Dispute Center po box 2000 XXXX, PA XXXX XXXX XXXX To Whom It May Concern, Today I write to get you to understand the Laws You Have Broken. This is done on a daily basis as i've been a victim of this for years. I know what i am entitled to as a consumer, but I am still dealing with your Federal Violations. You thinking you can interpret the law as you want to benefit you, is damaging me and defaming my character. You not caring for the law your agency is governed by and thinking your policies and procedures are all that matter is ignorant, and crucial to not only myself, but also to the banks that depend on accurate information on my report to further extend me credit. Your job requires you to know the laws to address my consumer report as it should be addressed, in order for me to provide for my family. 


After taking a look at my consumer report I noticed the inaccuracies on my report. Upon me doing legal research i came across 15 usc 1681 ( a ) ( 1 ) which states that the Banking system is Dependent upon my consumer report being fair and accurate. The inaccuracies on my report are unfair to me, because I was never notified when this inaccurate information was furnished, and i was never notified when during your companies initial investigation, that you were going to report this information. 
This grave error has diminished my confidence in your company 's procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your company 's database. 

Pursuant to 15 usc 1681 ( a ) ( 2 ) your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.

Pursuant 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me as the consumer or a competent court of jurisdiction. So, not only did you fail investigation of this information. You also assumed this was your role, and assumed this information was valid. Which is a violation of my consumer rights. 


Pursuant to 1681 ( a ) ( 4 ) You did not insure that the this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. you took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy Pursuant to 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Congress makes it clear that consumer report should NOT include transactions between the consumer and the person making the report. This alleged transactions that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( a ) ( iii ) In your 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 ( b ) Any authorization of a specific extension of credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate is categorized as transactions that was issued from a credit card. Credit card as defined under 15 usc 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 






Respectfully Submitted, XXXX, XXXX [ Agent/Beneficiary ] Without Prejudice. All XXXX XXXX Rights Reserved cc : Attorney General

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