Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In response to my complaint Transunion stated " In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX VERIFIED AS REPORTED, XXXX XXXX XXXX UPDATED XXXX XXXX XXXX  UPDATED, XXXX XXXX XXXX XXXX XXXX XXXX UPDATED, XXXX XXXXXXXX XXXX XXXX UPDATED ''. But how is that possible if a proper investigation did not take place. According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Transunion DID NOT in fact interview with my neighbors, friends, family, or associates who may have such knowledge concerning any such information. Transunion stated " we sent you a letter listing the actions we take : TransUnion reviews all available relevant information and contacts the data furnisher to verify the accuracy of the information if we are unable to make the change based on the information you provided, we update our records with the information the creditor provides in response to the dispute, and then we send you the results of the investigation including the contact information of the company that verified the data ''., but the laws say such information SHALL NOT include specific factual information on a consumer credit report obtained directly from the creditor. 

Congress makes the following findings, 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 15 U.S.C section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instruction. This is a violation of my privacy according to section 602 A of this title.

These accounts should not be furnished on my consumer report as they are a violation under 15 U.S.C 1681b, I never gave any reporting any consumer reporting agency WRIITEN COSENT to report anything on my consumer report which violates my right as a federal protected consumer.

15 U.S.C 1681s-2 ( A ) ( 1 ) A personal SHALL NOT furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Due to the improper investigation that took place serval times, as a consumer I am demanding you block and delete these accounts from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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