Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion has violated many consumer rights. Under Title 15 USC 1681 604 ( a ) ( 2 ) a consumer reporting agency CAN NOT furnish any account without my consent. Transunion continues to defy my demands and report inaccurate accounts.

Transunion has failed to provide me with their investigation process. Has failed to provide me with any documents and proof of validation.

Transunion has also abused my privacy rights. Under Title 15 USC 1681 602 ( a ) it states I have a right to privacy and Transunion continues to engage in abusing my rights. 

They have also engaged in defamation of my character. 

I have made several attempts to dispute fraudulent items and have also made countless CFPB complaints. 

Complaint IDs : XXXX ; XXXX These 2 complaints have been ignored. 

Transunion continues to list accounts in my credit report such as XXXX opened on XX/XX/XXXX for the amount of {$2600.00}. Account # XXXX Transunion is in violation of FCRA section 611 part ( A ) ( 1 ) Transunion also keeps reporting an account from XXXX XXXX opened XX/XX/XXXX with a balance of {$510.00}. I even received a letter from XXXX XXXX back in XX/XX/XXXX of XXXX that the account would be removed. I sent the letter to transunion and they investigated the account and determined the account was still valid. Which leads me to believe that transunion DOES NOT conduct a thorough and proper investigation. Even with proof from XXXX XXXX and I also have a phone call recording with XXXX XXXX XXXX tXXXX they sent a request to transunion to have it removed and transunion continues to defraud me and defame my character. 

Transunion also continues to fraudulently report a XXXX account opened on XX/XX/XXXX. With account number # XXXX. Transunion never had my oral or written consent to report this account. 

Transunion also continues to fraudulently report a XXXX account opened on XX/XX/XXXX. With account number # XXXX with a balance of {$1500.00}. Transunion never had my oral or written consent to report this account. 

Transunion also continues to fraudulently report a XXXX XXXX  XXXX account opened XX/XX/XXXX with a XXXX balance. 
Transunion also continues to fraudulently report a XXXX XXXX account opened XX/XX/XXXX with account number # XXXX with a balance of {$710.00}. 

I never gave transunion any written instructions to furnish any of these accounts which is a violation of Title 15 USC 1681b and Transunion has caused me XXXX XXXX, and stress due to their abusive and unfair practices. 

The standard for unfairness in the Dodd Frank act is that an act or practice is unfair when : ( 1 ) it causes, or is likely to cause substantial injury to consumers And Transunion has caused me emotional and financial injury. 

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Transunion falsely reported information that resulted in defamation of my character. Further, transunion created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid, Transunion created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, the Transunion Company is liable according to 15 USC 1681o. 

I hereby put Transunion on notice and would like to inform Transunion that I never gave consent to this report being furnished by transunion on my behalf and I am also aware of the fact that transunion assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, Transunion is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
Transunion neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 
I request Transunion to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with/the details of the system adopted by the Transunion organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) the Transunion organization did not adopt such procedures that meet the need of commerce for consumer credit.

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