Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Re : Defamation Of Character To whom it may concern, This is about the consumer report received via mail on XX/XX/2022. While going through the same, I came to know about a few inaccuracies and fraudulent information that you continue to furnish in my consumer report. 

According to 15 USC 1681 ( a ) ( 2 ) of the Fair Credit Reporting Act which states an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, the credit standing, credit capacity, character, and general reputation of consumers.

Your company Transunion falsely reported information that resulted in defamation of my character. Furthermore, your company created deceptive forms that made creditors and employers believe that these were valid debts and I owed these alleged debts and was not able to pay, though you could not prove its validity. 

As a result, I was discriminated against and denied my right to extend credit. I suffered emotionally as well as from financial hardship. 
Your company is liable according to the Fair Credit Reporting Act 15 USC 1681o. 
I communicated with your company to dispute this information on XX/XX/2022. After your reinvestigation your company stated your results were verified as accurate however you have a duty to investigate anything immediately that is reported to you to determine if the reported information is inaccurate. 

No such investigation was conducted by your company ever. Your company never communicated with me to validate and verify that if this information that was reported to you that you furnished on my consumer report was accurate. I would like you to provide proof. And cause you did not do this it is impossible that your reinvestigation could provide your findings as reported as accurate as you stated on my consumer report. 

Furthermore you violated my rights to consent and privacy when you conducted that investigation and this information was first reported to you and you did not contact me to determine if this reported information of alleged debts owed was accurate, your company Transunion did not communicate with me to know if I consented to any of these transactions or this report. 

This is a violation of 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act which states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY and RESPECT for a consumers RIGHT to PRIVACY. 

Transunion as a consumer reporting agency and financial institution as per 15 USC 6827 ( 4 ) ( A ) of the Gramm-Leach-Bliley Act which states In general the term financial institution any business engaged in the business of providing financial services to customers who maintain a credit, deposit, trust or other financial accounts or relationship with the institution. 

You are in violation of 15 USC 94 ( a ) ( 1 ) your company made false and fictitious statements to obtain my vital information without my consent and privacy, also provided my information to third partys for pre qualification offers and soft inquiries companies such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  or XXXX XXXX  none of which I have ever extended my credit to or was ever involved in a consumer credit transaction with nor gave consent to have access to my non public private information. 

Your company is also in violation of 15 USC 94 ( a ) ( 2 ) no consumer credit transaction that includes my vital non public information shall not be reported on my consumer report. Your company furnished consumer credit transactions with my non public private information on my consumer report. 

Your company has not only infringed my right to consent and privacy also violated multiple federal laws.

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