Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/22 i called XXXX in regards to their data sharing policies. Due to 2 fraudulent and inaccurate accounts ( XXXX & XXXX XXXX ) on my consumer report there furnishing incorrectly. As there policy states, upon specific inquiry by the consumer they would furnish consent documents from there initial investigation on the 2 inaccurate accounts being furnished on my credit report. 15 USC 1681 ( a ) ( 1 ) states the banking system is dependent upon fair and accurate credit reporting. Accurate is practicing standards of due diligence. Accuracy is the lack of error in accounting. When all the values are deemed correct. 15 USC 1681 ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Privacy is defined by XXXX XXXX XXXX as the protection of a individuals information. Furnishing and sharing my information without my consent is a violation of my rights as a consumer under congress 15 USC 1681 ( 4 ). Which is a misuse of the grave responsibility, of fairness, and impartiality standards set out by Congress. 15 USC 1681a ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported. Per 15 USC 1681d ( a ) ( 1 ) I requested a investigative consumer report done on the 2 fraudulent inaccurate accounts furnishing on my consumer report by said consumer reporting agencies on XX/XX/22 by phone and through the CFPB. On XX/XX/22 XXXX responded back that I have previously disputed or either they previously provided me the results ( Complaint # XXXX ). In which both responses are unacceptable. I never received anything ever. Due to my right to privacy being violated per 15 USC 1681 ( a ) ( 4 ) by furnishing and sharing my information without my knowledge or consent. Once again per 15 USC 1681i ( 7 ) I the consumer request a description of the reinvestigation referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ), and pursuant to XXXX data sharing policies. ( when XXXX shares data with a organization based on the data subjects consent, we require the organization to keep record of the consent and to provide a copy of it upon request.See Exhibit A ) With that I request all documents involved in the re-investigation consumer report pertaining to said 2 inaccurate fraudulent accounts furnishing as charge offs on my consumer report. Which includes but not limited to the audit trail, signed credit applications showing consent, assignments, purchase of debt, ledger of the account, forward flow agreement, and all accounting documents, transaction history, and anything else relation to the consumer for review and validation of these inaccurate accounts. If these request can not be fulfilled pursuant to FCRA, 15 USC 1681i ( a ) ( 5 ) ( a ) ( i ) states, If after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified you shall promptly delete that item of information from the file of the consumer.

Pursuant 15 USC 1681n Any person who willfully fails to comply with any requirements imposed under this sub chapter with respect to any consumer is liable for willful noncompliance. 
Failure to comply with this request will result in civil litigation next.

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