Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with The Fair Credit Reporting Act, my rights have been violated by Trans Union under 15 U.S.C. 1681 section 602 A States that I have a right to privacy, also under 15 U.S.C. 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish a account without written instructions. In the filing of my complaints with the Consumer Financial Protection Bureau. My complaints have beemn closed out with no results on behalf of my civil rights being violated over and over again. 

On XX/XX/2022 I filed a complaint advising the CFPB, that I sent a certified letter to requesting a re investigation into account XXXX XXXX XXXX XXXX XXXX XXXX. Per The Fair Credit Reporting Act the allotted time for this investigation is 30 days. As, of the date of XX/XX/2022 I had not received a response from my letter of investigation sent certified to Trans Union Credit , LLC. I then called Trans Union, LLC and advised a credit representative with Trans Union , LLC. That my letter for request for investigation letter, that I did not get any investigation results, at all. Complaint filed with the CFPD, complaint submitted on XX/XX/2022 complaint # XXXX.Under the Company Response section of my complaint it shows the response by the company. In which it shows that the information submitted in the CFPB. Portal included a dispute of information appearing on my m credit file. It advised that Trans Union, LLC processed my request and forwarded a copy oif the investigation results through the mail. And that I should receive those results within 7 business days. 

Under the company response. I did not receive any investigation results at all, nor did I receive anything in 7 business days. Therefore, that is what prompted me to file another complaint in reference to the violation of my civil rights under 15 U.S.C. 1681. On each complaint filed they were closed, by CFPB, I called the CFPB and spoke with a representative in questioned her about the complaint that I filed involved the violation of my civil rights. And that in the response from the the issue of the violation results were not addressed in the response of what happened section. 

So, I am filing another complaint reference to the violation of my rights under 15 U.S.C. 1681n - Civil Liability for Willful Non compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reporting agencies 1681n -civil liability for non compliance. 

Also, under 1681b Permissible purpose of Consumer - In response to the order odf a court jurisdiction to issue such an order a subpoena issued in connection with proceedings before a federal grand jury. 

And under 15 U.S.C. 1681O ( a ) Any person who negligent in failing to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 15 U.S.C. 1681O ( a ) ( 1 ) Any actual damages sustained by the consumer as a result of the failure, and 15 U.S.C. 1681O ( a ) ( 2 ) In the case of any successful action to enforce any liability under the costs of the action together with reasonable attorneys fees as determined by the court In the filing of this complaint of my rights being violated by Trans Union LLC. In addition to the filing of this complaint as well as the previous complaints. I will be moving forwards with the filing of Civil Liabilities against the company XXXX XXXX XXXX, and Trans Union XXXX LLC. I will be filing my case involving complaint submitted on XX/XX/2022, complaint submitted on XX/XX/2022, complaint submitted on XX/XX/2022, and complaint filed on XX/XX/2022. In the filing of my civil liability case will be filed in the XXXX XXXX XXXX Texas United States District Court, in XXXX 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 non-monetary relief