Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting 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 have reached out to all three credit bureaus to fix the accuracy of my reports. they have had over 60 days to do so and have done nothing. a lot of the inquiries were not made by me and I had to go through a long drawn out identity theft process. I have also done my own research and these reports are not accurate. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
In accordance with the fair credit reporting act, the inaccurate non validated information has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXX Validate Account XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX  Validate Account XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXX Validate Account XXXX XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, 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