Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I received my TransUnion credit file XXXX, I noticed that TransUnion had failed to do their due diligence in keeping my consumer report fair and equitable to me and protecting my privacy, as required by Congress, and prior to receiving information about my rights from XXXX and them correcting all the errors in my consumer file, but there had been 42 inquiries provided on my consumer file without without any permissible purposes and prior from previous correspondences no proof as of XX/XX/2022 has been provided permissible purposes to support the 47 inquiries that have furnished on my consumer file pursuant to section 604 of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, TransUnion has violated the Fair Credit Reporting Act ( FCRA ) section 611 by failing to conduct a reasonable investigation as required by the above-mentioned section, by the information not being corrected, and by merely parroting information from the furnishers, not to mention that prior to the definition of a consumer report pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ) / '' - the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Exhibits are attached and referenced EXHIBIT A-1 Shows a Credit transaction on XXXX XXXX # XXXX with inaccurate information such as but not limited to the account being marked as charged off but failed to show factual documentation supporting the information along with it being a transaction that was supposed to be exclude from the consumer report EXHIBIT A-2 Show numerous accounts that have been such as but not limited to invalidated information, incorrect status of the accounts along with them being furnished as stated by Congress Transactions and experiences are to be excluded from the report EXHIBIT A-3 Show all the accounts that are in GOOD STANDING although these accounts age in GOOD STANDING it still willfully violates the FCRA by the transaction and experiences being furnished on my consumer report EXHIBIT A-4 Demonstrates 15 Unauthorized inquiries where there is no evidence of the companies having permissible purposes To even obtain my consumer report then not to mention that some companies obtained my consumer report more than once without any permissible purposes. 
Along with 3 credit transactions where I havent received any goods or services for credit. 

EXHIBIT A-5 Demonstrates 4 Unauthorized inquiries where there is no evidence of the companies having permissible purposes EXHIBIT A-6 Demonstrates 12 Unauthorized inquiries where there is no evidence of the companies having permissible purposes And 3 credit transaction inquiries which are to be excluded from my report EXHIBIT A-7 Demonstrates 12 Unauthorized inquiries where there is no evidence of the companies having permissible purposes And 4 credit transaction inquiries which are to be excluded from my report EXHIBIT A-8 Demonstrates 4 Unauthorized inquiries where there is no evidence of the companies having permissible purposes And 1 credit transaction inquiries which are to be excluded from my report

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