Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is to inform the CFPB of account # XXXX that I had disputed. 
The company has not provided the permissible purpose signature certification Requested By the consumer. The information that TransUnion has provided. Is a notification letter Notifying me That the investigation is going to take longer to investigate? my understanding by law is Any investigation should not take more than 30 days to be processed My question is. If I had disputed this in the past. And you have continued stalling Every time I dispute this Account How much Hush money XXXX XXXX have provided you TransUnion to continue stalling this Account? This is the information you provide on the website to the consumers. What to Expect After Your Dispute is Filed Once your dispute is received, TransUnion must complete its investigation within 30 days and issue a response regarding the outcome. During that time, they will submit your information to the party that furnished the information ( i.e., lender or creditor ) and await a reply to confirm or deny your claim. In most instances, youll be able to track the status of your dispute directly from TransUnions website. If the outcome is successful, your TransUnion report will be updated to reflect the correct information. TransUnion will also send you an updated copy for your records. If the outcome is unsuccessful, the information will remain on your credit report. And at this point, you may need to provide supporting documentation to the creditor or open another dispute and include this information to substantiate your claim Failure to Respond If the lender or creditor doesnt bother responding to the dispute, the credit bureau must remove the negative entry from your credit report to better your chances of following up with a creditor, send a detailed letter explaining exactly whats wrong with on the account. You can even include a copy of your credit report so that they can see exactly what youre referring to. Dont forget to request a return receipt so that you have proof the creditor received your information. If necessary, follow up with a phone call if you dont hear back within two weeks. You may also want to consider filing a complaint with the Consumer Financial Protection Bureau if the creditor or credit bureau is not cooperating. 
just to inform the CFPB This is not the first time TransUnion has taken More than 30 days. To do an investigation on XXXX XXXX XXXX my understanding as a consumer I do not have to give TransUnion or any other Credit Bureau 60 days to do an investigation and since I have given TransUnion the opportunity 60 days in the past I do not have to. You had 30 days to complete this investigation and I am refusing to give you Extra days to complete Your investigation Your 30 days are up. to my knowledge, you failed to do a proper investigation Remove XXXX XXXX XXXX. and XXXX XXXX. Out of my consumer credit report. I did not give you Permission to post that information without my consent. And just to inform the CFPB As a consumer I have the right of privacy. 
Privacy and Security Enforcement : When companies tell consumers they will safeguard their personal information, the FTC can and does take law enforcement action to make sure that companies live up these promises. The FTC has brought legal actions against organizations that have violated consumers privacy rights or misled them by failing to maintain security for sensitive consumer information or caused substantial consumer injury. In many of these cases, the FTC has charged the defendants with violating Section 5 of the FTC Act, which bars unfair and deceptive acts and practices in or affecting commerce. In addition to the FTC Act, the agency also enforces other federal laws relating to consumers privacy and security.

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