Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been in dispute and correspondence with Transunion and XXXX for some time now, and they have failed to honor my rights as a consumer. 

This is the final notice, before I proceed to take legal action against Transunion and XXXX. 

The accounts reflecting on my credit reports are not accurate and should be deleted or updated to paid as agreed, never late. I have not even been provided with sufficient proof that the accounts were verified, how they were verified, and who they were verified with. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the laws that have violated my consumer rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have stated XXXX times, that the information above was inaccurate! 


15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Transunion and XXXX has not conspicuously informed me that they released my information to any person or corporation. Which I know they did. In section B, you are supposed to be given the opportunity to NOT allow the information to be disclosed to the third party. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX XXXX jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to XXXX or Transunion to share my information with ANYONE. 


18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. 

I did not give permission for Transunion or XXXX to have my information transferred, possessed, or used by ANY corporation or person. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( person/corporation ) ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This law clearly states that a consumer report does not include reporting information pertaining to transactions and experiences between me and a person or corporation. With that being said, I DEMAND THAT ALL ACCOUNTS SHOW AS PAID AS AGREED, NEVER LATE. 

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I have proof that Transunion and XXXX are not listing my information as accurate AND they are not investigating properly. The dates and descriptions all DO NOT MATCH. 

15 usc 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

Since these laws are public information, there is no reason for XXXX and Transunion to not know which makes you liable for my actual damages I have suffered pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

If you are unable to either remove, permanently delete the accounts OR update them and show them as paid as agreed never late ; please put it in writing to me responding to every law that I have mentioned above, and express the laws that counter what I am saying in the form of an affidavit. Please have the affidavit notarized and sent to my home mailing address for me to review and respond to. Because I will put everything I know in writing and take legal action.

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