Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a complaint to the ( SEE CFPB Complaint XXXX attached ) requesting a description of TransUnions investigation against my claim of identity theft. Without justification of their claim of ; my request being made in error, is misrepresentation of material fact relevant to the request to block and/or I have obtained possession of goods, services or money as a result of the transaction issue. their claim has no merit. 

On XX/XX/XXXX, Transunion response ( SEE TransUnions Direct Response attached ) was ; we took one or more of the following action ( s ) : 1. Determined that the data furnisher had previously verified the reported information, 2. Asked the data furnisher reporting the information you disputed to do all of the following : Review relevant information we sent them, including any provided documents. 
Investigate your dispute and verify whether the information they report is accurate. 
Provide us a response to your dispute and update any other information On XX/XX/XXXX, Transunion response ( SEE CFPB Complaint XXXX attached ) was ; we investigated the information by contacting the creditors to verify the accuracy of the information : Transunion ; contacts the data furnisher to verify the accuracy of the information We update or records with the information the creditor provides then we send you the results of the investigation including information of the company that verified the data so you can contact them directly if needed! 

The company that TransUnion sites, claims to have contacted and provided them information was : XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX, GA XXXX ( SEE TransUnions Direct Response attached ) On XX/XX/XXXX, I contacted the company to verify TransUnions above descriptions of their investigation and the company stated ; The United States Bankruptcy Court for the Middle District of Georgia does not report information to any credit agency. ( SEE XXXX COURT MIDDLE GEORGIA Response attached ) So if thats the case. How did TransUnion verify my bankruptcy as 100 % Accurate? Where is the information the creditor provided? 

TransUnion has yet to provide evidence of a fair investigation according to 15 USC 1681 section 603 ( 3 ) ( E ) which states ; 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.

This is yet again another violation of my rights including : 15 U.S.C 1681 section 602 A, which states I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2, which states a consumer reporting agency can not furnish an account without my written instructions. Also, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This is also a forgery of the said companys name onto my credit report if they did not report it directly as the furnisher.

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