Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please note that I've tried to fix the following problem twice and TransUnion only responds will a stall letter to me stating that I am using a credit repair company, which I am not and they refuse to honor my dispute letter. 
Please stop mailing me these stall letter templates just so your company can ignore following the consumer laws. 

Please mail me an updated copy of my credit report via USPS mail based on the results of this challenge and don't answer this CFPB complaint stating you will contact me directly because when you do all you is mail that stall letter template with no challenge dispute results. TRANSUNION DO NOT SEND ME THE STALL LETTER TEMPLATE, RESEARCH THIS COMPLAINT! 

NO PERMISSIBLE PURPOSE AND DATA BREACH OR DATA LEAK CDIA compliance and regulatory guidelines for Metro 2 users such as your Credit Reporting Agency states that credit reporting by Credit Reporting Agencies should be done based on accuracy, consumer access, correction, cyber security and privacy. 

This Account Challenge request is to confirm current reporting of the account ( s ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

None of the inquiries listed below were provided Permissible Purpose for accessing my credit reports as The FCRA lists a number of permissible purposes for accessing consumer reports, as noted in Section 604 ( a ) ( 3 ) A-G.

Accessing an individuals consumer report can only be done in accordance with the laws requirements. To access and use a consumer report for other purposes is illegal and subject to criminal penalties.

Please remove the following inquiries from my report because they were not obtained using Permissible Purpose INQUIRIES TO REMOVE XXXX XXXXXXXXRemove Inquiry- Was Not Obtained Using Permissible Purpose XXXXXXXX XXXX XXXXXXXXRemove Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXX XXXXXXXXRemove Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXX XXXXXXXX-Remove Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXX XXXXXXXXRemove Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXXXXXXRemove Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXX XXXXXXXX XXXXRemove Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXXXXXX-Remove Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXX XXXXXXXXRemove Inquiry-Was Not Obtained Using Permissible Purpose In addition, your company, is a CRA ( Credit Reporting Agency ) that is mandated by : The Gramm Leach Bliley Act The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999 . As a Financial Institution under GLBA, credit bureaus are subject to significant regulation relating to data security through Section 501 ( b ), which requires the Federal Trade Commission ( FTC ) to promulgate rules to require financial institutions to have measures in place to keep customer information secure. 

Since this is my 3rd request, please do act quickly in removing the inquiries and once complete, mail me an updated copy of my credit report via USPS Mail showing the results.

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