Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is no such Bankruptcy that should be reported on my credit report. TRANSUNION is merely a corporation obtaining consumers information from unreliable sources for the purpose of financial gain. They are not a government mandated entity. TRANSUNION is merely a company that assumes a role. I have a certified copy from the court stating they never verify or verified any information with any credit reporting agency at any time. So who did TRANSUNION verify this information with? Another third party credit reporting agency can not verify private transactions of consumers. They have listed multiple erroneous entries on my consumer credit report. Since TRANSUNION stated this entry was verified please provide the name, address and direct contact phone number of the furnisher of this information and the manner in which it was provided, in order that I may pursue additional further remedy, they never provide the information according to Federal Laws. I have mailed them another dispute with evidence they are not properly verifying the erroneous entries on my consumer report. I, XXXX XXXX XXXX confirms this is not a entry from a credit repair company, I myself have entered this complaint to CFPB. They always use this response as a tactic not to remove information from a credit report. TRANSUNION is reporting a private experience to the public which is illegal. According to the Fair Credit Reporting Act Section 609 ( a ) ( l ) ( A ), credit bureaus are required by federal law to verify through physical verification of the original signed certified consumer contract - of any and all accounts you posted on my credit report. ( NOT COPIES ). I demand to see the Verifiable, Validated proof ( an original Consumer Contract with a wet ink signature on it, ( copies of copies are not Validation and by law are not considered proof ), that you have on file for the account ( s ) listed below. I mailed them a list of the accounts that are illegally being reported on my consumer report. 
Moreover, I please provide my wet signature giving TransUnion consent to provide these unverified accounts, invalid names and wrong information on my consumer report. 15 U.S.C 1681 ( b ). ( I NEVER WORKED AS A IT PROFESSIONAL IN MY LIFE ) Under FCRA unverified invalid accounts must be removed. If you are unable to provide me with the verifiable validated proof of the copy you have on file within 30 days of receipt of this notice, then TRANSUNION must delete the unverified information immediately. I demand the account be verified or removed immediately. The law is very clear of the Civil Liability and remedy to me for the negligent noncompliance ( Section 617 ) if TRANSUNION fails to comply with this law. I also demand TRANSUNION verify and provide written physical proof of the invalid addresses they have listed on my consumer report. TRANSUNION have listed locations that are actual business addresses, I have never lived at a business address in my life. This is inaccurate false information they are reporting on my consumer report. When you have finished your investigation, I want the name, address and direct phone number of the person/agent at the source TRANSUNION contacted and the affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure is mandated by 15 U.S.C 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). TRANSUNION is a consumer credit reporting agency and is subject to Federal Consumer Financial laws, including, among others FCRA and the Title X of the Dodd Frank Act and related regulations. Due to this erroneous reporting I have experienced embarrassment, credit denial, mental anguish, XXXX, worry, loss of financial opportunities to live and more. I have suffered greatly from the unsolicited reporting of my private experiences with financial companies. I never gave them consent to publish my personal information. Again, I repeat, I XXXX, submitted this complaint on XX/XX/2023 XXXX XXXX cst. Due to my personal information being listed on the actually dispute letters I've mailed to TRANSUNION, I will refrain from uploading them here.

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