Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Consumer Credit Report To whom it may concern : Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report I realized my report was inaccurate and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when during your company 's initial investigation that you were going to report this information.

Pursuant 15 usc 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your company 's procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your company 's database.

Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company has assumed this role. You were not given express permission by me, the consumer, or competent court jurisdiction. So not only did you fail in the initial investigation of this information you assumed this role and assumed this information as valid, which is a violation of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out even if this transaction took place. As a result of this my privacy was breached and this violated my privacy.

Pursuant to 15 usc a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether or not it factually took place can be categorized as a transaction that took place between a consumer and the person making the report, which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 
Pursuant to 15 usc 1681 a ( d ) ( 2 ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This in fact is another violation.

Pursuant to 15 usc 1681 a ( b ) Any authorization of specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined 15 usc 1602 ( i ). 
Sincerely, 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 explanation