Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To with whom this does concern, I am writing this matter myself without the help of any 3rd party. And now i was start with my complaint. the situation is that I put in a previous compliant because Transunion seems to be making it their business for willingly noncompliance. first This is identity theft pursuant to FCRA 15 USC 1681 ( 3 ). Also I understand that pursuant to 15 USC 1681c ( 1 ) you have the authority to decline or rescind the information i am presenting to you was not blocked-in error the information i requested is an affidavit in fact so there is no material misrepresentation of the fact has been completed and if you believe that i obtain possession of goods and services i need a senior XXXX member of this company ( Transunion ) to put it on an affidavit signed of penalty of perjury notarized. i contacted Transunion ( 09162022 ) because i sent in a FTC identity theft report, along with my identification document, my social evidence and a personal statement, which are all listed within the FCRA when it comes to identity theft as well as the block of information that is made aware in 15 U.S. code 1681c-2. The FCRA states a consumer reporting agency shall block the reporting of information in the file of the consumer ( i am the consumer ) that the consumer identifies as information that resulted from an alleged identity theft, that not later than 4 business days after the date of receipt. The date of receipt was XXXX which means that per todays conversation with transunion ( agents XXXX and XXXX XXXX i have been violated. i was told that my FTC report did not meet internal Transunion guidelines and thats why the accounts that were on my FTC report : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX could not be blocked or removed also for the inquires that are on remaining on my credit report such as XXXX date XXXX and XXXXXXXX XXXX  XXXX XXXX. I was also advised that on Transunion end that my initial CFPB complaint had been closed as of XXXX and todays date is XXXX and the complaint does not show closed on my end. I received an email from the CFPB on XXXX that Transunion was still procecssing my complaint. Also upon speaking with the agent she could not tell me about that accounts or information on the credit report unless i said what they were which is something else being as though i am the consumer and also goes to prove one of my initial points about Transunion, the consumer reporting agencies are violating my right seems to have a lot to with them not wanting to savage their relationships with the companies in who pay them to put this information on my credit report ( XXXX XXXX, XXXX XXXX ). As the consumer I am to be secured and protected within my papers and i am not because XXXX my personal information is being reported to consumer reporting agencies without my written consent, a violation of my 4th Amendment right. I am as clear as day being taken advantage of. i without a doubt feel as though the ( XXXX XXXX ANd XXXX ) in which i listed and the credit reporting agencies are conspiring against my rights and to do so with injure to me, i am if you don't know injured, XXXX am bring deprived of my rights as well as being treated unjust. and another thing ( XXXX XXXX and XXXX XXXX ) that i i have previously listed did not have lawful authority to transfer my social security number the consumer reporting agency Transunion. The code 15 US 1681 Section 604 A Section 2 also states clearly that a consumer reporting agency cant furnish an account without having my written instructions. the crazy part is if you take a look at 15 U.S. Code 1681c ( a ) ( 5 ) it states clear as day that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 years. XXXX XXXX and XXXX XXXX and the consumer reporting agencies have a business partnership, XXXX XXXX and XXXX XXXX pays Transunion and other consumer reporting agencies to furnish information about me. That proves even more that the paying companies can provide them with any kind of information and the consumer reporting agency will put it on my credit file, credit report. Thats as clear as day especially based upon my conversation with the representative at transunion, the paying company can provide them with that whatever where as i was told that MY FTC report did not meet internal guidelines which that is not listed in the FCRA at all it states nothing in the laws about Transunion having to follow any guidelines outside of the laws that state what they are to do and if they do not do that then they are due to imprisonment and a fines. Transunion is clearly showing me well us that they are above the law and for that they should face the consequence in which they are due for having the mere thought that they can play with consumers lives based upon their own guidelines and not the guidelines that congress put in place for them to follow.

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