Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have NEW information in regards to a previous complaint. TRANSUNION continues to break the law and violate my rights as a federally protected consumer under 15 USC Chapter 41. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. I have called many many times and all I am being told is that they can file a another dispute. My Affidavit of Truth I sent continues to be ignored. Under the laws of Commerce, an un-rebutted Affidavit of Truth stands as truth and TRANSUNION is liable to compensate me. Moreover, every employee I talked with over the phone claimed they were educated in the FCRA, yet is not one is familiar with 15 USC 1681B ( a ) ( 2 ). They continued to deny that they have the ability to furnish anything on a report. It states explicitly in the law, " 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. '' I am not making this up. This comes straight from the law. TRANSUNION, violated my rights by furnishing this fraudulent account without my written consent. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to XXXX5 USC 1681c-2, they had 4 business days to take it off ... yet here we are about to be 30 days later. As I also stated in my previous complaint, the FCRA further states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). To further drag out this process and violate my rights, TRANSUNION reinserted deleted delinquencies that were showing for this account on XX/XX/2022. The delinquencies were deleted on XX/XX/2022 ( The account still remained ). On XX/XX/2022 those delinquencies were reinserted. This is completely unlawful and in violation of 15 USC 1681i ( 5 ) ( B ) ( i ). I have done everything I needed to do and I hope by sending in this second complaint with more evidence, the CFPB will hold TRANSUNION accountable for violating my rights that have caused me much emotional, mental, financial and physical distress.

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