Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
They did not provide me with no affidavit of truth nor any exhibits in this matter. I sent an affidavit of truth with exhibit stating how they violated the title 15 USC 1681b ( a ) ( 2 ) they did not respond to the violation of the Fair Credit Reporting Act violation that was addressed and brought to their attention. 


Transunion is using unfair and inaccurate information on my consumer report. The response is not what I asked for. My affidavit of truth and exhibit addressed who gave them written instruction to have this account that is inaccurate because I have no value in it. 

VERIFICATION. Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposi- tion. McNamara v. Powell, Sup., 52 N.Y.S.2d 515, 527. I am the original creditor and this account was not verified with the original creditor so pursuant 15 USC 1681a ( 2 ) ( A ) ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report is excluded. 

Pursuant 15 USC 1681a ( 2 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. HOW WAS THE INVESTIGATION CONDUCTED AND WHO DID YOU INTERVIEW? 

How did you not verify when you did not verify with me the original creditor? The is inaccurate because I have no value and this consumer credit transaction is unfair/unjust. This account is inequitable to me. Pursuant 15 USC 1692b ( a ) ( 2 ) In accordance with written instructions of the consumer to whom it relates. I the consumer/ natural person never gave you written instruction to have this account. Please provide exhibits notarized that you had written instructions. I sent Transunion written instruction to remove this account on XX/XX/2020 they have not done so and it been over 30 days. This is abusive and unfair practices by Transunion. 

I'm waiting on my rebutted affidavit of truth with exhibits from Transunion stating and showing I gave them written instruction according to the FCRA. 

If Transunion did a real investigation they would known that this was an unauthorized use of my consumer credit transaction pursuant 15 USC 1602 ( p ). 

Transunion is civilly liable for these violation of me the consumer PURSUANT 15 USC 1681n ( a ) ( 1 ) ( a ) pay for these violation immediately.

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