Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion just refuses to comply with the FCRA rules. I've sent in 4 complaints so far this year alone over violations of my Consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This doesn't include the mailed off complaint directly to TransUnion. TransUnion is still in violation of the following laws starting with - ( 15 USC 1681a - Accuracy and Fairness of credit reporting ). I have a Bankruptcy that I filed a FTC report on because TransUnion never had my written, verbal, or any other consent to report a Bankruptcy on my credit report. I have proof that the bankruptcy on my XXXX credit report has been removed which means that this Bankruptcy is showing as an inaccuracy reporting on my TransUnion credit report. How did TransUnion get my personal information because the Court House stated that they DO NOT give out consumer personal information. I never authorized this and a 3rd party has no legal rights to gather my personal information and give it to TransUnion. So how did TransUnion really get my personal information? This is Fraud and identity theft which I already complained about several times in the past and TransUnion refuse to obey the FCRA rules in which TransUnion SIGNED the agreement stating that they will obey the FCRA rules and LAWS. ( 15 USC 1681b permissible purposes of consumer report ) ( 15 USC 1681c-1 identity theft prevention ; fraud alerts and active duty alerts ) ( 15 USC 1681c-2 block of information resulting from identity theft ) So far I have stated many violations just on this one inaccurate information reporting on my credit report ( BANKRUPTCY ) I DEMAND TRANSUNION TO CEASE AND DESIST THIS ILLEGAL ACTIVITY AND REMOVE BANKRUPTCY IMMEDIATELY FROM MY CREDIT REPORT for the 5th time of me asking you TransUnion to stop violating my legal rights? For some reason if you try to claim that this is accurate information then I want to know the living human being who you physically spoken to alone with the recording that includes their NAME, NUMBER, ADDRESS, TIME of the conversation, WHO THEY WORK FOR, WHAT is this persons position, and I WANT THEM TO SAY HOW THEY GOT ACCESS TO MY PERSONAL INFORMATION. If TransUnion CAN NOT provide me the CONSUMER with all of the requested INFORMATION then I demand removal of the BANKRUPTCY. 

I have shown proof that TransUnion sent me a letter stating that my FTC report was NOT valid. I want TransUnion to show me in LAW stating that my FTC fraud report is an invalid fraud report ...? If TransUnion can not prove by law that the FTC report is an invalid fraud report then I DEMAND that TransUnion handle my complaint that I requested with my clear directions that I reported to this CFPB on XX/XX/XXXX. TransUnion had CFPB close my complaint without following my directions so I'll state them again in detailed below with an UPDATED added complaint that I have. 

IRS states that a charge off or closed account has been considered income and income is NOT to be reported on a consumers credit report. Income is not considered by credit scoring systems that use only your credit history. IRS Publication 6209 - If your debt has been cancelled or written off by the lender, you generally will not need to make any payments on the debt. The debt has been filed under a 1099C form and is no longer owed in which a canceled debt is now considered income and is taxable. 

I have provide a 1099C form that shows that XXXX XXXX XXXX account XXXX XXXXXXXX had cancelled out my XXXX XXXX vehicle. I NO longer owe debt on this vehicle and I want TransUnion to report this account as PAID IN FULL AS AGREED. Balance owed is {$0.00} XXXXXXXX XXXX XXXX account XXXX XXXXXXXX TransUnion is showing this XXXX account on my credit report as charged off/ paid in full. I request that TransUnion REMOVE this account and no longer report this XXXX account on my credit report because this account is considered income and has a 1099C filed on this account.

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