Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I, Consumer XXXX d/b/a XXXX XXXX XXXX, had my federally protected consumer rights violated by Transunion. Transunion without my written permission furnished information on my consumer report which is a violation pursuant to 15 USC 1681b. ( a ) ( 2 ) which states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

In addition, Transunion violated and infringed on my consumer right to privacy by knowingly and willingly furnishing false account balances on my consumer report pursuant to 15 USC 1681 ( a ) ( 4 ) which states : ( a ) Accuracy And Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

No consent is Identity Theft. I have been unable to apply for credit due to my privacy being violated and inaccurate credit reporting because I never gave TransUnion written permission to furnish these accounts on my consumer credit report. My reputation ( consumer report ) has been damaged and directly impacts me building relationships with potential creditors to which I would like to do business with because of the fraudulent and inaccurate information advertised on my consumer report without first validating with me, the original creditor. I DO NOT VALIDATE THE ALLEGED DEBTS BEING FURNISHED ON MY CONSUMER REPORT. 

On XX/XX/2021 I certified mailed to Transunion an Affidavit of Truth, Invoice, Exhibits, and letter disputing accounts/inquiries to be deleted that was received on XX/XX/2021. Transunion has yet to rebut my disputed inaccurate accounts and has had over 30 days to validate these inaccurate accounts and failure to do so results in immediate deletion pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) which states : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I have also attached a Notice of Default and Opportunity to Cure and updated invoice with late fees in order to make amends for Transunion knowingly and willfully violating my federally protected consumer rights. Lastly, I have attached proof that Transunion received my documents via certified mail and return receipt # : XXXX even after stalling on the previous CFPB complaints that are also attached.

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