Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX I wrote to TransUnion using their Identity theft victim Assistance Affidavit to help them remove any fraudulent activity that was reporting on my credit report. They sent back an updated report removing all the disputed information but 2 things. 

TransUnion was reporting an inaccurate address of XXXX XXXX XXXX APT XXXX XXXX GA XXXX, to which I have disputed numerous times, only to show up as updated as XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Per the FCRA, it is by grave importance that the Credit Bureaus report accuracy, fairness and privacy, with respect to the consumer, per USC 15 1681 ( a ). This agency has all but removed this address without providing who furnishes the information. After reflecting the credit report they are in violation of this law as it pertains to accuracy to me and it is their responsibility to provide accurate and valid information on me to creditors. TRANSUNION IS NOT! This address does not belong to me, nor am i affiliated with this address.

TransUnion is also reporting 2 bankruptcies. One which is a non existent XXXX  XXXX wage earner bankruptcy that was reported on my XXXX XXXX student loan. I have spoken to XXXX XXXX XXXX XXXX on XX/XX/XXXX and they have told me in great detail that they are not reporting this information to TransUnion and that they saw in my file where TransUnion corrected one account with them, but not the other account. This is in violation again on 15 USC 1681 ( a ) for accuracy. 

TransUnion is also reporting a XXXX  XXXX Bankruptcy claiming the furnisher is the US Bankruptcy XXXX XXXX XXXX GA. 
XX/XX/XXXX I wrote to the court requesting the procedures they follow reporting to the credit bureaus and I have attached a letter I received from them XX/XX/XXXX stating that they DO NOT furnish this information to the bureaus, that if a 3rd party can obtain this information through XXXX. 

I also reached out to XXXX  who is a bankruptcy data furnisher to TransUnion and they have sent a letter to me explaining that if a bankruptcy was filed before XX/XX/XXXX, that TransUnion used XXXX, who uses XXXX. The Bankruptcy reporting on my credit report was in XXXX, which means they had to used XXXX to verify the information. There are 2 violations here, first is 1681 ( a ) and 1681 ( b ). 
I DID NOT give XXXX permissible purpose to obtain my private information and to resell to the bureaus, nor is this information being reported accurately, and there is no permissible purpose for TransUnion to have this information about me, because there was no reason to use this type information in their reportings on me. This reporting is FALSE! 
I have also attached a CFPB complaint response from XXXX reflecting that they have removed the address XXXX XXXX XXXX XXXX GA XXXX and the Bankruptcy filing No. XXXX. So where is TransUnion getting this " accurate '' information from? Also, if I completed the affidavit in the manner they requested, why did they get to choose what information they would remove and what they wouldnt remove? This is unfair and unlawful to me as a consumer. 15 USC 1681 ( a ). This Bureau has ruined my reputation as a consumer and has made it to where I have not been able to obtain credit due to the irresponsible reportings on their behalf.

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