Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My CONSUMER rights are being violated by TRANSUNION! On XX/XX/2021, I sent a letter to TransUnion ( I have a copy of the Certified Mail Receipt ) explaining that they are violating my CONSUMER rights by reporting a bankruptcy that I never authorized for them to report on my credit report but they refuse to remove it, according to a letter that I received from them on XX/XX/2021. 

I have shown to them ALL the LAWS they are violating such as : XXXX 15 usc 1681 ( a ) ( 4 ) - Consumers Right To Privacy XXXX  : XXXX ( XXXX ) Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). TransUnion has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

> 15 usc 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports XXXX  : XXXX Notice, it is a fact, affiant 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 TransUnion has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) and information associated with Bankruptcy Docket XXXX XXXX also known as XXXX # XXXX must be removed. 

Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to TransUnion which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. 15 U.S.Code 1681b ( a ) ( 2 ) shows that my rights are being violated by TransUnion, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, Bankruptcy XXXX # XXXX also known as XXXX # XXXX must be removed. 

> 15 usc 1681a ( XXXX ) Definitions ; rules of construction https : XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the account, Bankruptcy XXXX # XXXX also known as XXXX # XXXX must be removed. 

They also claim that this record was verified through the Bankruptcy Court, however, I have a letter ( attached ) from the court stating very clearly that they DO NOT provide such information to the credit reporting agencies. 

I have already addressed this issue with the reporting agency that TransUnion acquired my information from which is XXXX XXXX and XXXX XXXX has already removed this record from their database and you will see a copy of their letter showing the removal within the letter that I sent to TransUnion ( Attached ).

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