Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive made TransUnion, XXXX, and XXXX aware on multiple occasions in regards to their Unfair or deceptive acts or practices and upholding their sole duties and responsibilities according to federal law in connection with Account : XXXX XXXX XXXX XXXX The Consumer Reporting Agencies mentioned above are obligated by the FCRA to investigate any information attempting to be furnished on a consumer file and report accurate accounting. 

Transunion XXXX, and XXXX has said to have conducted multiple investigations pertaining to the information being furnished on my report. After said investigations they found that the information being furnished was deemed verified, validated, and accurate. 

Ive requested at frequent intervals from the consumer reporting agencies to provide the documentation used to determine such accounts have been indeed validated, verified and consent was given. Ive requested for the name of the person ( s ) spoken to, documentation used, signed application with consumers wet ink signature, contract between parties sharing my nonpublic personal information. 

However, XXXX, TransUnion, and XXXX have not provided ANY proof, documents, procedures of how they concluded with the decision made. Transunion, XXXX, and XXXX are not maintaining reasonable procedures showing clear willful and negligent noncompliance Pursuant to 15 U.S. Code 1681n, and 15 U.S. Code 1681o. 

The information being furnished on my consumer report with the Consumer Reporting Agencies mentioned above does not reflect what's contained on my Customer Portal Account with XXXX XXXX XXXX. 
- ( Refer to Exhibit.D01 ) - ( Refer to Exhibit.C01 ) - ( Refer to Exhibit.C101 ) Pursuant to 15 U.S. Code 1681e " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 

" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy according to the Fair Credit Reporting Act 15 USC 1681 section 602. 

Transunion, XXXX, and XXXX are consumer reporting agencies and I, XXXX XXXX, am the Consumer. I have the right to make sure my private information isn't shared in connection with 15 USC 6801 which states " 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. 

XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Transunion, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, TransUnion, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furnisher of information to consumer reporting agencies never informed me of my right to exercise my nondisclosure option.

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