Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I wrote a letter on XXXX asking TransUnion for method of verification, who they talk to? when? what time? what department they work in? Among other things they sent me a letter that didn't answer any of my questions see attach letter they sent back. According to the FCRA 1681b ( a ) ( 1 ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : a subpoena, or In a accordance with the written instructions of the consumer to whom it relate. The FCRA also says a consumer reporting agency shall not prepare or furnish an investigative consumer report unless agency has received a certification from the person who requested the report. No disclosure of fact of preparation was clearly and accurately disclosed to me in writing, it was supposed to be mailed to me no later than 3 days after the date on which the report was requested and including a statement informing me of my rights to request the additional disclosures. According to the FCRA the furnisher was supposed to give me 3 disclosures ( XXXX ) the option to opt-out information reporting to a nonaffiliated 3rd party prior to them reporting it ( XXXX ) I was supposed to be given the opportunity before the time that such information is initially disclosed to direct that such information do not be disclosed to such third party ( XXXX ) I was supposed to be given an explanation of how I can exercise the nondisclosure option which I never received any of these documents. The furnisher was not incompliance with the procedures of the FCRA Laws, but yet TransUnion verified these accounts as accurate, TransUnion is also in violation according to the FCRA, by reporting my personal information without having a subpoena or written authorization from me the consumer I never gave TransUnion permission to report information on me. TransUnion also didn't go through the proper procedures they were not supposed to report any of my personal information without certification from the person who requested the report it was their job to make sure that the furnisher followed the proper procedures by provided me with all of the disclosures, when I request for investigation you are supposed to send me all of the physical documents that the furnisher gave you supporting their claim against me, you never did you just sent a letter saying the accounts were verified .Weres the contract or agreement with my signature on it showing that I have done business with these companies. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. If you can not provide proper documentation of proof of these accounts within 10 days delete these accounts.

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