Consumer complaint received 2021-09-21
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: Their investigation did not fix an error on your report

Complaint:
AFFIDAVIT OF TRUTH I, XXXX XXXX, a consumer a natural person of age and competent to testify, state as follows based on my own personal knowledge : TRANSUNION STATED THEY INVESTEGATED AND RESULTS WERE VERIFIED. TRANSUNION FAILED TO PROVIDE PROOF OF WHO THEY INVESTIGATED PURSUANT TO FEDERAL LAW 15 USC 1681a ( e ) I am XXXX XXXX XXXX a consumer, a natural person pursuant to Federal Law 15 USC 1692a ( 3 ).

( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 

I am XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR The ( Original Creditor ) pursuant to Federal Law 15 USC 1602g. 

Consumer XXXX XXXX XXXX a natural person requested an investigative consumer report and if they ( TRANSUNION ) investigated individuals, I request that TRANSUNION MUST provide Documentary Evidence or PROOF of who they ( TRANSUNION ) interviewed and if they ( TRANSUNION ) interviewed individuals it should NOT include facts pursuant to Federal Law 15 USC 1681a ( e ).

Transunion stated that they did an investigation, and the results were VERIFIED AND UPDATED. Transunion have FAILED to provide under penalty of perjury documentary evidence, facts, or PROOF of who they interviewed to authenticate their investigation as VERIFIED and if they interviewed individuals, it should NOT include facts pursuant to Federal Law 15 USC 1681a ( e ) ( 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. 

Pursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

I am demanding each account listed below removed or delete from my consumer report pursuant to Pursuant to Federal Law 15 USC 1681b ( a ) ( 2 ) ( 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. 
XXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these accounts on my consumer report. 

I am demanding deletion of entire accounts listed below : 1. XXXX XXXX XXXX- Remove or delete this account from my consumer report. 
2. XXXX XXXX- Remove or delete this account from my consumer report.

3. XXXX XXXX XXXX- Remove or delete this account from my consumer report.

4. DEPT OF ED/XXXX- Remove or delete this account from my consumer report.

5. XXXX Remove or delete this account from my consumer report.

6. US DEPARTMENT OF ED- Remove or delete this account from my consumer report 7. XXXX XXXX XXXX- Remove or delete this account from my consumer report 8. XXXX- Remove or delete this account from my consumer report 9. XXXX XXXX XXXX- Remove or delete this account from my consumer report Transunion have violated my consumers rights and will be liable pursuant to Federal Law 15 USC 1681n- Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) CIVIL LIABILITY FOR KNOWING NONCOMPLIANCE Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
Transunion have violated my consumers rights and will be liable pursuant to Federal Law 15 USC 1681o - Civil liability for negligent noncompliance ( a ) IN GENERAL Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Failure to respond within 30 days may result in Federal legal action against corporation ( TRANSUNION ). I would be seeking a minimum of {$1000.00} in damages per violation or what court deems reasonable pursuant to Federal Law 15 USC 1681 for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Credit Reporting Act Pursuant to Federal Law 15 USC 1681 ( a ) ( 1 ) ( 4 ) - Violation of the Fair Credit Report Act Pursuant to Federal Law 15 USC 1681 ( a ) ( 2 ) Copy to : Consumer Response Center Federal Trade Commission Washington, D.C. XXXX  Consumer Financial Protection Bureau Attorney Generals Office XXXX XXXX XXXX Regards, XXXX XXXX a Natural Person

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