Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer, I have contacted this credit reporting agency multiple times to make them aware of the errors in my consumer report. Unfortunately, this credit reporting agency believes that I don't have shared knowledge and the ability to construct a dispute letter to remove errors from my consumer report utilizing my consumer rights. This is a true smack in the face to the average consumer attempting to better their financial situation. I have attached the letter that I received from this credit reporting agency, stating that they will not process my request unless it comes directly from me. WELL, XXXX, THIS IS ME. I am not a credit repair company. I am representing myself on my behalf. I am a natural person wanting the errors of my consumer report removed based on my rights as a consumer. At this point, I feel my rights as a consumer per the U.S.C.Title 15 Annotated Commerce and Trade XXXX don't mean anything if the credit reporting agency does not adhere to the law. CFPB, I NEED YOUR HELP TO HOLD THIS CREDIT REPORTING AGENCY ACCOUNTABLE. As I have stated in multiple complaints, there are errors in my consumer reports. I have found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. I disputed this in the past on XXXX, and the letter is attached to this complaint. Additionally, as of XXXX per the issue date of the letter. The credit reporting agency stated in a letter via mail that they received my request that included my information, but it didnt appear that I, or a third party didnt properly authorize the information that was sent to them. The credit reporting agency assumes that I am a credit repair company as stated before I am not. I'm going, to be honest, this letter I received feels like a stall tactic, especially since the letter was issued on XXXX but I didnt receive it until XXXX, which means from XXXX until now this credit reporting agency more than likely didnt do an investigation. As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. Lastly, as a consumer, I have the right to privacy, and if there are items I don't want to be shown on my consumer report, I have the right to request those items to be removed. I didn't give your credit reporting agency verbal or written consent to furnish information on my consumer report. There is information on my consumer report that results from identity theft since I didn't give your credit reporting agency verbal or written permission. Again, I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made bases of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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