Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom it may concern : TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX TransUnion .I received a credit report from you that showed a few unfamiliar companies. It seems they made an inquiry on my file without my knowledge, but this shouldn't be possible without my approval. Section 604 of the U.S. Code, 15, U.S.C & 1681 es seq. states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please remove this inquiry from my credit file or provide me with documentation ( physical proof ) that you have a permissible purpose for this inquiry. 
Appreciatively, I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to 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 explanation