Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Record Type : Unauthorized Inquiries NOTICE OF REPORTING OF UNAUTHORIZED INQUIRIES After numerous attempts to correct this matter, TRANSUNION is continuing to report the following unverified and unauthorized credit inquiries on my credit report : 1 ) XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX> 2 ) XXXX XX/XX/XXXX> 3 ) XXXX XX/XX/XXXX> 4 ) XXXX XX/XX/XXXX> 5 ) XXXX XXXX   XX/XX/XXXX ; XX/XX/XXXX> I demand to see Verifiable Proof of my authorization of the above-mentioned inquires provided to you by the inquirer you have on file. Your failure to positively verify these inquiries as both authorized by my person, or having viewed my report under a 'permissible purpose ' has hurt my ability to obtain credit. Under the FCRA, Title 15 U.S.C. 1681 et. seq. it is prohibited for anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ), and any unauthorized inquiries must be removed.

Please BE ADVISED that this is my FIFTH AND FINAL REQUEST regarding the above-mentioned UNVERIFIED & UNAUTHORIZED inquiries. These unverified item ( s ) remain on my consumer credit report furnished by your company in violation of Federal Law.

The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure the accuracy of the information in my credit reports ; 15 U.S.C.

1681i ( a ) and 1681s2 ( b ) require you to properly investigate and resolve disputed information ; and 15 U.S.C. 1681g require you to clearly and accurately disclose the nature and substance of all information in my credit files. Additionally, 15 U.S.C.

1681n, allow for punitive damages for the willful noncompliance with the FCRA.

Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

You have NOT provided me a copy of ANY original documentation required under FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ; and 611 ( 5 ) ( A ), where you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance, as the FCRA creates a private right of action against a consumer reporting agency for the negligent or willful violation of any duty imposed under the Act. See 15 U.S.C. 1681n, o.

If you fail to comply with FCRA procedures for dealing with these disputed inquiries and instead, inaccurately certify the information reported on their accounts as correct, I will not hesitate in pursuing litigation in this matter.

If your offices can not provide the proper verifiable documentation, I demand the aforementioned inquiries be deleted immediately.

BE ADVISED : In regards to my consumer credit file, you are currently in violation of the following : 15 U.S.C. 1681e ( b ) by not following reasonable procedures to assure the accuracy of the information in my credit reports ; 15 U.S.C. 1681i ( a ) and 1681s2 ( b ) by not properly investigating and resolving the disputed information. Pursuant to 15 U.S.C. 1681n, in any lawsuit against TRANSUNION for these violations, I can request punitive damages for your Companys willful noncompliance with the FCRA.

It is pertinent that you assure your records are in order before I am forced to take legal action against your company. This is an attempt to correct your records, any information obtained shall be used for that purpose

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