Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have had many issues with Transunion over the last year. I've sent numerous complaints about inaccurate accounts reporting on my report. After several disputes I asked them to provide the specific agent who investigated my dispute. After this they closed the dispute and they basically said my disputes were frivolous. This situation frustrated me to no end and it was one of the reasons I have been feverishly studying all the Consumer Laws in Title 15 Chapter 41.

After careful study I learned how unfair consumers are being treated in their daily activities. I learned in my sitution that Transunion is violating 15 U.S. Code 1692c ( a ) which says : ( a ) Communication with the consumer generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Transunion is communicating information given to them that I never consented to them housing or recording, my Private Information. Information I never consented to being shared. I also realized that I never consented to Transunion reporting information based off of my tax Id which is my social security number. I called the IRS and asked them do they have any interactions with Credit agencies to report credit information and the agent sternly noted that there is no such agreement. So I wondered how do these agencies even get my SSN number? Since I never expressed any consent to do so as this IS MY PRIVATE INFORMATION. I also understand that according to 15 U.S. Code 1692c that Transunion is in violation of this law by communicating with third parties without my express consent. I have been complaining to Transunion about a third party debt collector named XXXX XXXX XXXX, XXXX who has been fraudently reporting inaccurate information on my credit report for three years now. XXXX and XXXX removed it from their credit reporting but Transunion for some reason would not remove it. I am currently preparing to sue this debt collector this month. I have complained about this company to the CFPB as well. Based on how I have been damaged, and based on these Consumer laws. I sent Transunion correspondence to their complaint department specifically reaching out to the head of that department a gentleman by the name of XXXX XXXX to explain the damage their company is currently doing to me. Along with the complaint I sent an invoice for the damages that I have received based on their unlawful reporting. I provided them with an Exhibit as well for each violation. I also provided them with a Power of Attorney showing that I have the authority to represent the Legal name that they are unlawfully reporting on. I also provided them with a copy of an UCC-11 search showing that none of the creditors that they are reporting who are claiming that I owed them a debt has a lien on any claimed debt which proves that they are Inaccurately reporting to Transunion.

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