Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened XXXX XXXX - Charge Off Closed TransUn ion failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

Notice to the CFPB TransUnion CEASE & DESIST FROM REPORTING THE FOLLOWING XXXX XXXX  ACCOUNT. TO MY CREDIT REPORT I have not given you permission to put this on my credit file, NON PUBLIC PERSONAL INFORMATION you have no right!!! Remove within 48 hrs. or futher actions will be pursude I tried to open up a bank account and you have my social security blocked Cease & Desist from blocking my social so I can apply for a bank account. I never gave you permission to do this. Remove the following statement from my credit report within 48 hrs.. 

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. YOUR NEXT REFUSAL WAS BECAUSE YOU CLAIMED YOU VERIFIED AND VALIDATED .. ALL LIES Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

If your company fails to respond to this validation request within 2 days from the date of your receipt, all references to all negative, invalid, inaccurate and derogatory accounts and remarks must be deleted and completely removed from my consumer report and a copy of such deletion sent to myself and to any/all of the 3 major credit reporting agencies : I request updates copies shall be sent to me immediately.

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