Consumer complaint received 2022-09-30
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:
The reason that I am filing this Complaint is because I disputed last month and you ( TransUnion ) said that these accounts were verified as accurate. What was your method of verification? 

Send me a detailed report that shows how you performed an independent investigation to determine the accuracy of these negative accounts. Send me the paperwork that proves you did an independent investigation! 
I am a Natural Person, I am a living human being, I have rights under 15 U.S.C. 1681.

TransUnion is governed by 15 USC 1681 and they have violated my rights numerous times. I DEMAND that the Accounts listed below be Removed because ; According to 15 USC 1681, I have the right to privacy and I DID NOT give TransUnion written permission to furnish these Inaccurate, Incomplete Accounts.

In addition, TransUnion has Re-Aged several accounts by purposefully omitting, changing or reporting inaccurate Date Last Active. This proves that they DID NOT do a proper Investigation. I have also requested on previous occasions, that they send me a detailed report that shows how they performed an independent investigation to determine the accuracy of these negative accounts. They have not supplied the paperwork that proves they did an independent investigation!

According to 15 USC 1681, Consumer Reporting Agencies have assumed a vital role in assembling and evaluating Consumer Credit and other information on Consumers. There is a need to insure that Consumer Reporting Agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the Consumers Right to Privacy.

In accordance with the Fair Credit Reporting Act, the List of Accounts below has violated my federally protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. These Accounts need to be DELETED because they contain violations, errors and/or inaccuracies : Account Name and Type : XXXX XXXX XXXX Collection Account ) Account Number : XXXX Reason/Error/Inaccuracy : Stop reporting this Account because the Date Last Active is inaccurate. It is a violation to re-age an account.

Account Name and Type : XXXX Funding ( Collection Account ) Account Number : XXXX Reason/Error/Inaccuracy : Delete this Account because the Date Last Active is inaccurate. It is a violation to re-age an account.

Account Name and Type : XXXX XXXX XXXX ( Installment Account/Unsecured Loan ) Account Number XXXX XXXX Reason/Error/Inaccuracy : This Account is not a Collection/Charge-off. Please update this Account to Paid as Agreed. The Payment Status is inaccurate.

RE : Unauthorized Inquiries The FCRA states that the only permissible purpose for pulling someone's credit report is : a ) firm offer of credit b ) insurance c ) a court order d ) employment Upon a thorough review of my credit report, I noticed inquires that I did not authorize and do not fit A, B, C, or D above. 

Creditor Name and Date of Inquiry : 1. XXXX ( date of inquiry ) - XX/XX/XXXX XXXX. XXXX ( date of inquiry ) - XX/XX/XXXX XXXX. XXXX FS ( date of inquiry ) - XX/XX/XXXX Please remove these inquiries from my credit report, as they WERE NOT AUTHORIZED!!!

According to 15 U.S.C. 1681s-2a : Duty of Furnishers of Information to Provide Accurate Information : ( 1 ) ( 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.

In addition, 15 U.S.C. 1681 Section 604 ( A ) Section 2 : It also states a Consumer Reporting Agency can not furnish an account with my written instructions.

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