Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
According to complaint XXXX Transunion has closed recent complaint with the following findings response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Telephone number -ADDED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. US DEPT OF EDUCATION-UPDATED XXXX XXXX XXXX I-UPDATED. However, Transunion have disregarded the complaint entirely and has not resolved the issue. In addition, Transuinon has stated they have performed an proper investigation of report. However according to investigative Consumer Reports. Section 606 part 1 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report. 5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA. 6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. Transunion has neglected to perform any of the required investigating Requirements to properly perform a CONSUMER INVESTIGATION. As previously stated in last complaint, accounts listed are inaccurate and have been reported on my credit report without my consent. COMPLETELY violating my privacy rights 15 U.S.C. 1681 Section 604 section 1 states that have a right to privacy and 5 U.S.C. 1681 Section 604 section 2 states written consent must be provided to do so.account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}. The listed accounts are affecting my character and illegally reporting derogatory inaccurate information. Per the FCA entities are subject to {$1000.00} per violation in fines for knowingly and recklessly reporting information. In addition to neglecting to perform an accurate FULL INVESTIGATION CONSUMER REPORT. I demand that these accounts be deleted immediately.

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