Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
They have been reporting this bankruptcy ( XXXX ) on my credit report from XX/XX/XXXX to the current date as of this complaint XX/XX/XXXX which is 3 years and 4 months ( 40 months x $ XXXX each month = {$40000.00} ). 
15 USC 1684n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Being that TransUnion is a corporation ( Trans Union LLC ) ( See Exhibit M ), they obtained my consumer report under false pretenses or knowingly without a permissible purpose. 
15 USC 1684n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

After contacting TransUnion and informing this company that they are reporting an unverifiable bankruptcy ( public record ) on my credit report and after sending them the 2nd notice ( Exhibit B ) with a copy of the Courthouse letter stating that the courthouse does not report to any consumer reporting agencies, TransUnion willfully and negligently kept reporting this bankruptcy on my credit report. The continuance of reporting after receiving the 2nd notice via Certified Mail # XXXX XXXX XXXX XXXX XXXX ( Exhibit L ) on the receiving date of XX/XX/XXXX which is 1 month to the current date of this complaint XX/XX/XXXX. 
15 USC 1681o- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I did not give written permission to TransUnion to report this bankruptcy ( public record ) on my credit report. Therefore, TransUnion did not have a permissible purpose to report this bankruptcy on my credit report. ( {$1000.00} violation ) 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

By reporting this bankruptcy on my credit report, TransUnion has violated my privacy rights. The reporting of this bankruptcy has caused defamation of my character, my mode of living because I have been very stressed out from the numerous denials needed to take care of my family, and my ability to obtain credit for my everyday household needs and causing me to having to settle with credit that subjects me to high interest rates and resort to payday loans and cash advances which subjected me to predatory lending. ( {$1000.00} violation ) 15 USC 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Thus resulting in knowingly transferring, possessing, and using without lawful authority a means of identification of me, TransUnion committing identity theft. There is no public record and TransUnion can not furnish this information because I did not give them permission to report the bankruptcy/public record to my credit report.

18 USC 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

The reporting of this bankruptcy/public record has caused me and my family financial hardships that made surviving hard to cope with affecting me and my family 's mode of living and not being able to afford household needs and educational expenses. The reporting of this bankruptcy has affected my ability to obtain credit and subjected me to predatory lenders that charged me high interest rates on installment loans, cash advances, and payday loans. I have been stressed out and started getting migraines in which I was diagnosed with and escalated the severity of my XXXX XXXX of atrial fibrilation, and caused me to have anxiety to where I could not function at work and my social skills have been unbearable to others because of my constant lashing out.

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