Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I am a federally protected consumer and my rights are being violated per title 15 1681 " The Fair Credit Reporting Act '' by several credit reporting agencies ( Transunion, XXXX and XXXX ). I have been trying to resolve my hardship that the credit reporting agency have caused me for over a year now. I am a victim of fraud and have filed complaints with the Federal Trade Comission as well for Identity Theft. I have fraudulent accounts appearing on my credit file which is harming my general reputation. I am going to list several violations per the FCRA that the credit reporting agencies have violated. Notice, it is a fact, I, XXXX XXXX is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Transunion, XXXX and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. it is a fact, XXXX, Transunion and XXXX is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. Affiant was not given the chance to opt-out of having this reported information about. Notice, it is a fact, XXXX, XXXX and Transunion is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown. Notice, it is a fact, Transunion, XXXX and XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ). Notice, it is a fact, XXXX, XXXX and Transunion is aware, each requirement of the FCRA which the credit reporting agency fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making credit reporting agency liable for each consecutive reporting.

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