Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion consumer Solutions ( Transunion ) and its employees, agents, Officers successors and assigned and all others similarly situated Jointly and severally acting on behalf of Transunion hereinafter collectively referred to as Transunion has violated Federal Law, the Fair credit reporting Act ( FCRA ), 15 U.S. Code section 1681n Civil liability for willful noncompliance and 1681b and section titled Permissible purpose of consumer report ( federal law violation ) by placing derogatory remarks, negative activity/items, and UNVERIFIED information on my consumer file which is a violation of federal law and the FCRA. 

Transunion has also violated 15 U.S. Code section 1 by way of Restraint of Trade and Commerce by providing various companies that i the Consumer, Natural Person and original creditor attempted to conduct consumer transactions with false and misleading Unverified information that had a negative impact resulting in an undesirable outcome on my consumer transactions with various companies causing restraint of trade as aforementioned above. 

The Said Conduct by Transunion has caused me to suffer severe XXXX, XXXX, XXXX XXXX, XXXX anguish and XXXX XXXX. and denied me my right to extend credit and conduct consumer credit transactions as a original creditor pursuant to 15 U.S. Code section 1692c ( c ) ( 2 ) /1692 ( a ) which is restraint of trade and commerce pursuant to 15 U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade orcommerceamong the severalStates, or with foreign nations, is declared to be illegal. 
Everypersonwho shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any otherperson, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. 

I, XXXX : XXXX , Consumer, Natural Person and Original Creditor am Invoking my specified remedy as Consumer and Natural Person pursuant to but by not limited to : 15 U.S. Code 1681n - Civil liability for willful noncompliance 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; in accordance with Consumer, Natural Person directions pursuant to : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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. 

I, XXXX : XXXX the Consumer and Natural person Demand that you Transunion Remove all derogatory remarks, Negative activity/items and unverified information from my consumer file restore credit score keep account/ credit score at XXXX pay the invoice herewith for your violations of federal consumer laws to me in the form of Monetary value/relief within given time frame due this includes the following listed documents, invoice, Affidavit, Notice, instruments incorporated herein by reference as though were fully set forth herein made a part hereof and attached hereto in its entirety all herewith. 

If action is not taken by you Transunion to resolve this matter as stated herein and make me whole in good faith i will have no choice but to take appropriate legal action against you/ your business.

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