Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TRANSUNION, is in violation of multiple FCRA and FDCPA laws. I am attaching proof of violation in the contents of this letter as well. 

Exhibit A TRANSUNION is in violation of 15 USC 1681 ( b ) It is the purpose of this subchapter to require thatconsumerreporting agencies adopt reasonable procedures for meeting the needs of commerce forconsumercredit, personnel, insurance, and other information in a manner which is fair and equitable to theconsumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Exhibit B TRANSUNION is in violation of 15 USC 1681 ( b ) ( b ) It is the purpose of this subchapter to require thatconsumerreporting agencies adopt reasonable procedures for meeting the needs of commerce forconsumercredit, personnel, insurance, and other information in a manner which is fair and equitable to theconsumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Exhibit C TRANSUNION is in violation of 15 USC 1681 ( b ) ( b ) It is the purpose of this subchapter to require thatconsumerreporting agencies adopt reasonable procedures for meeting the needs of commerce forconsumercredit, personnel, insurance, and other information in a manner which is fair and equitable to theconsumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Exhibit D TRANSUNION is in violation of 15 USC 1681 ( 4 ) and 15 USC 1681b ( 1 ) 15 USC 1681 ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
15 USC 1681b ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18. 

Exhibit E TRANSUNION is in violation of 15 USC 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating.

Exhibit F TRANSUNION is in violation of 15 USC 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 

Exhibit G TRANSUNION is in violation of 15 USC 1681 ( b ) It is the purpose of this subchapter to require thatconsumerreporting agencies adopt reasonable procedures for meeting the needs of commerce forconsumercredit, personnel, insurance, and other information in a manner which is fair and equitable to theconsumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Exhibit I TRANSUNION is in violation of 15 USC 15 USC 1681b 4 ( c ) theconsumer reportwill be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Exhibit J TRANSUNION is in violation of 15 USC 1681b 4 ( c ) theconsumer reportwill be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Exhibit K TRANSUNION is in violation of 15 USC 1681b 4 ( c ) theconsumer reportwill be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Exhibit L TRANSUNION is in violation of 15 USC 1681b 4 ( c ) theconsumer reportwill be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Exhibit M TRANSUNION is in violation of 15 USC 1681b 4 ( c ) theconsumer reportwill be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Exhibit N TRANSUNION is in violation of 15 USC 1681b 4 ( c ) theconsumer reportwill be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Exhibit O TRANSUNION is in violation of 15 USC 1681b 4 ( c ) theconsumer reportwill be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Exhibit P TRANSUNION is in violation of 15 USC 1681b 4 ( c ) theconsumer reportwill be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

See attach Exhibit

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