Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a letter dated XXXX XXXX XXXX XXXX  that you appreciate you taking the time to contact us at TransUnion. ( Re : Remedy the Effect of Identity Theft. What in the XXXX are you talking about. The dispute letter I sent you didnt have anything to do about Identity Theft. I feel like youre playing games with me using dirty stall tactics, and just completely ignoring me. Your negligence is all by design. I expected to have received a new consumer report with a response of to my disputes. The Fair Credit Reporting Act ( FCRA ) is designed to promote accuracy, fairness, and privacy of information in the files of every consumer reporting agency. I disputed inaccurate information with you, TransUnion, and requested that you fix it, modify, or delete the inaccurate information on my consumer report. If I tell you that my file contained inaccurate information, it is your responsibility to investigate the items listed below within 30 days by presenting to its information source all relevant evidence you submitted unless my dispute is frivolous. This inaccurate reporting has caused me severe financial and emotional distress. I sent you a letter on XX/XX/ disputing inaccurate personal information. including my consumer file. 

Unfortunately, it appears to me that you do not have reasonable procedures in place to assure Maximum Accuracy and Completeness of the information that you included in my consumer report. Youre constantly violating your own standards. Im frustrated with your negligence! It is your DUTY to ensure the ALL of my information, which I never gave you permission to report, is reported accurate, and it clearly appears you have failed to do so. Therefore, I request that any future inclusion of consumer information concerning me be sent to me First for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Im putting you on NOTICE that you have VIOLATED Federal Law by placing these items on my consumer report. Note : I didnt write these laws! The law is in Black and White! Here are the following violations which calls for the following accounts listed below to be DELETED- 15 U. S. Code 1681s-2 ( A ) ( 1 ) -Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, 15 U. S. Code 1681 Section 604 A Section 2 states A consumer reporting agency ( XXXX, TransUnion, XXXX ) CAN NOT furnish an account without my written instructions. I never gave written instructions to any of these creditors or any consumer reporting agency to report these accounts. 15 U. S. Code 1681c- Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U. S. Code 1681 section 602 A states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Since I have the right to privacy, if I dont want these items I on my consumer report, these items cant be listed on there, and 15 U. S. Code 1681b-Permissible purpose of consumer report ( 2 ) In accordance with the written instructions of the consumer to whom it relates. There is nothing like seeing black and white when it comes to the laws right! Did I give these data furnishers written instructions or verbally communicate they could furnish this information to the consumer reporting agencies, XXXX to the NO I DID NOT!!

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