Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 received a letter from XXXX advising they confirmed my XXXX through XXXX XXXX. That letter is attached. I also attached the section for XXXX from my XXXX XXXXXXXX REPORT and this information is not being furnished! XXXX has lied and fabricated information that is not correct after I disputed this account multiple times advising this account is incorrect and needs to be deleted. They have refused to delete this account, even sending a follow-up advising they received this information from XXXX XXXX which is not True!!! They are violating my rights and is not doing a thorough investigation. I have sent letters and also disputed over the phone with XXXX, XXXX, and Transunion and they all have refused to delete these accounts. 

These accounts need to be removed IMMEDIATELY! XXXX XXXX OR THE XXXX COURT IS NOT FURNISHING THIS INFORMATION ON MY CREDIT REPORT, SO HOW IS THIS ACCURATE? XXXX, TRANSUNION, AND XXXX IS VIOLATING MY RIGHTS BY FURNISHING INCORRECT INFORMATION ON MY CREDIT REPORT. ATTACHED IS A LETTER FROM THE XXXX XXXX 

Account name : XXXXXXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's 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. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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