Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I AM A FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. THIS IS THE 4TH TIME MAKING A COMPLAINT AGAINST TRANSUNION. TRANSUNION REPORTING IS IN VIOLATIONS OF THE FCRA. THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) HAS CONSUMER PROTECTION LAWS THAT WERE CREATED TO PROTECT ME. BY ALLOWING THESE ITEMS TO BE REPORTING ON MY CONSUMER REPORT XXXX IS DAMAGING AND RUINING MY ATTEMPTS TO OBTAIN A HOME LOAN. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE, TO ME CONSUMER REPORT. IM LISTING THE FCRA LAWS XXXX  IS BEING ALLOWED TO BREAK AGAINST ME. 15 USC 1681s2 ( B ), 15 USC 1666B, FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B ( 2 ). XXXX  NEEDS TO COMPLY BY DELETING THESE ITEMS BEING REPORTED ON MY CONSUMER REPORT. REMOVE THE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, AZ XXXX. BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE ACCOUNTS LISTED ARE CHARGED OFF ACCOUNTS AND CONSIDERED " GROSS INCOME FOR ME '' AND SINCE INCOME SHOULD NOT BE REPORTED ON A CONSUMER REPORT DELETE THESE ACCOUNTS THEY ARE INCORRECTLY, BEING FACTORED IN MY REVOLING CREDIT USAGE HURTING MY FICO SCORE WHICH IS FALSE, MISLEADING, AND DAMAGING. DELETE XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX. DELETE THESE CHARGED OFF ACCOUNTS BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS 1099 IRS FORMS TAXABLE GROSS INCOME '' ON THERE ACCOUNTING BOOKS THEREFORE ITS CLEARED BALANCE XXXX ON THERE ACCOUNTING BOOKS AND THESE FURNISHERS RECIEVED DEFAULT INSURANCE PAYMENTS AND TO KEEP INCORRECTLY KEEP REPORTING THIS ON MY CONSUMER REPORT SHOWS THERE ATTEMPTING TO " GET A DOUBLE UNJUST ENRICHMENT '' PAYMENTS WHICH IS UNLAWFUL. I HAVE ASKED FOR RE-INVESTIGATIONS OF ALL these issues MULTIPLE times prior and have PAST CFPB DISPUTES ON RECORD SHOWING AS " FUNISHER SAYS ITS ALL '' VERIFIED " but AFTER SHOWING YOU THE FCRA LAWS TRANSUNION IS NOT COMPLYING AND VIOLATING MY CONSUMER PROTECTION RIGHTS ACCORDING TO THE FCRA. HOW CAN TRANSUNION KEEP BEING ALLOWED TO REPORT WHILE IN VIOLATIONS? FCRA CONSUMER LAWS I LISTED ARE ALL GROUNDS FOR IMMEDIATE DELETIONS FROM MY CONSUMER REPORT. BECAUSE TRANSUNION WILL NOT COMPLY TO THESE FCRAFEDERAL CONSUMER REPORTING ACT LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE, AND HOLD TRANSUNION ACCOUNTABLE TO THE FCRA FEDERAL CONSUMER REPORTING ACT LAWS ESTABLISHED BY US CONGRESS. AGAIN THESE ARE THE FCRA LAWS AND VIOLATIONS TRANSUNION IS GUILTY OF BREAKING AND NOT COMPLYING WITH. 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. DELETE THE ITEMS I LISTED ABOVE AND THEN TRANSUNION WILL BE IN COMPLIANCE WITH THE FCRA ACT LAWS THAT HAVE BEEN ESTABLISHED.

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