Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Continuance from closed complaint - ( XXXX ) Transunion continues to violate my right to privacy. I have already stated whats necessary to be done on my account. they have been provided with enough personal information and continue to request my SSN for identification, which is not necessary for identification. I have attached proof of this below. Furthermore, they have already had access to the last XXXX digits of my social upon completion of this complaint. that is the reason for me giving the last XXXX digits, for " identification ''. I do not need to submit a complete social. 

Below I have resubmitted what I expect to be met from Transunion ( this was already demanded in my initial correspondence ) It has come to my attention that Trans Union continues to violate federal consumer laws. Upon further review of my report, Transunion has fraudulently misused my credit report and has allowed unvalidated and unverified information on my credit report. On XX/XX/XXXX- Transunion allowed false information to be published on my consumer report by XXXX XXXX XXXX. XXXX XXXX XXXX were already sent a Debt validation letter, to which they defaulted and did not provide ANY VALID proof of verification of this alleged debt, pursuant to 15 USC 1692g ( a ) Nor did Transunion seek to verify this alleged debt by contacting me. I am requesting Transunion to provide my full credit file and demanding that the XXXX XXXX XXXX XXXX account be deleted from my consumer report. If both my requests are ignored, I will file suit. FCRA permits an individual to recover money damages if they can prove they were harmed by false credit reporting. The categories of damages include statutory damages, actual damages and punitive damages. 15 USC 1681n and o. Case Law : Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distress. It includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, worry and nausea. McCollough v. Johnson, Rodenburg & Lauinger, LLC, 637 F.3d 939, 957 ( 9th Cir. 2011 ) ; see also Cushman v. Trans Union Corp., 115 F.3d 220, 225-27 ( 3d Cir. 1997 ) ( actual damages may be emotional in nature ) ; and Guimond v. Trans Union, 45 F.3d 1329, 1333 ( 9th Cir. 1995 ) .Other categories include loss of credit opportunity. Cortez v. Trans Union , LLC, 617 F.3d 688, 719-20 ( 3d Cir. 2010 ). Plaintiffs can recover damages for credit defamation. Dalton v. Capital Assoc., 257 F.3d 409, 418-19 ( 4th Cir. 2001 ). Economic or financial loss is also recoverable. Guimond v. Trans Union, 45 F.3d 1329, 1333 ( 9th Cir. 1995 ). Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In Bach v. First Union Nat'l Bank, 486 F.3d 150 ( 6th Cir. 2007 ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In Brim v. Midland Credit Management, 795 F.Supp.2d 1255 ( N.D. Ala. 2011 ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of Sloane v. Equifax Information Services, 510 F.3d 495 ( 4th Cir. 2007 ) the XXXX XXXX  approved an award of emotional distress damages of {$150000.00} for credit reporting violations.

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