Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Fair Credit Reporting Act insures the consumers right to fair and accurate reporting from Transunion. Transunion has violated Federal laws that has caused damages to the consumer as well as my natural person. I mailed a packet to Transunion on XX/XX/XXXX. I have the XXXX XXXX XXXX XXXX Domestic Return Receipt ) that documents Transunion stamped and signed received on XX/XX/XXXX. In this packet, Transunion received an Affidavit of Truth with approximately 7 exhibits labeled ( Exhibit A-Exhibit G ) showing documented evidence as proof that Transunion is in violation of Federal laws. The Affidavit of Truth is signed and notarized under penalty of perjury that the information is true and accurate to the best of my knowledge. Keep in mind, an unrebutted Affidavit of Truth is considered Truth in Commerce and I am fully aware of ALL of my rights as a litigious consumer.

Pursuant to 15 US Code 1681 ( a ) ( 1 ), Transunion has several inaccurate and unfair records on my credit report. This includes the credit score itself as there is no way for me or any consumer to determine the calculation ; therefore the score is based on assumption and not facts without any way to rebut the accuracy or inaccuracy thereof. Transunion put a collection on my report that has not been verified. Transunion has a public record on my report that has not been verified. Transunion has a negative account that I can only assume has allegedly been verified, yet I have no information or documents from said creditor or Transunion to confirm the validity. What evidence does Transunion have to validate any of these accounts? Verbal or written, I need to know and see what evidence Transunion has to keep any disputed information on my report per my rights as the consumer. 

Pursuant to 15 US Code 1681 ( a ) ( 4 ), Transunion has blatantly disregarded my right as a consumer to privacy as they are reporting an unverified public record and has been reporting this record for approximately 5 years causing me as a consumer and my natural person irrevocable damage. I have provided proof that XXXX could not verify this public record and has deleted this record since XX/XX/XXXX as evidenced on page 16 ( Exhibit B ). I have written Transunion several letters asking them to delete this item if they can't verify, and they either ignored it or said it was verified every time, but what is the verification? An unauthorized public record on my Transunion consumer credit report causes me great distress when applying for credit that your company has continued to allow to remain on my public file without any authority since XXXX. XXXX  also mistakenly had this public record listed on my consumer report and they have removed it as of XX/XX/XXXX because they could not verify either. What evidence does Transunion have that XXXX XXXX as well as XXXX  doesn't have to keep listing item on my consumer credit report causing further damage to my reputation and life?? If there is nothing, please remove immediately as I have requested information or deletion since XX/XX/XXXX. 

Transunion has remained uncooperative in deleting invalidated items from consumer credit report since XX/XX/XXXX. Pursuant to 15 US Code 1681 ( b ), Transunion must show complete procedures and information used to verify as well as validate accounts before it can even be listed and/or remain on a consumer 's report. Transunion has not shown any documentation for these negative, damaging items to remain on my credit report and file in spite of my request as evidenced in letters Exhibit C. 

Transunion must EXCLUDE any report if it includes transactions and experiences between said consumer and the entity ( individual or organization ) making the report. It has been brought to my attention that I may be a victim of identity theft as well as fraud from 2 companies : XXXX XXXX and XXXX. How and ever, according to15 USC 1681a ( a ) ( d ) ( 2 ) ( A ) ( i ), Transunion should have never been reporting these items anyway due to the fact that it is allegedly a consumer credit transaction or experience with said companies. 

Transunion has been releasing my credit file haphazardly with all kinds of negative, damaging and inaccurate information. According to 15 USC 1681b ( a ) ( 2 ), this is violating consumer 's rights as I had not given any written instructions until I sent my packet on XX/XX/XXXX. Now Transunion has written instructions on how I would like my consumer credit report to not only appear but also how, when, and who it can be released to moving forward. Pursuant to the above listed code, this is my consumer right. Strangely enough, Transunion has been releasing my information ; how and ever, they have made it almost impossible for me to attain my own consumer report online or otherwise. I am supposed to be able to get my report every week due to the pandemic and it has been impossible for months now. Yet Transunion wrote me a letter saying I had already received my free report for the year. What about all the other weeks I asked for the report but couldn't attain it? 

I have provided identity theft reports as I have reason to believe that someone from XXXX XXXX  as well as XXXX was credited from my consumer credit card yet still reported it and Transunion has not done their job as a fair credit reporting agency to have documented proof to verify these accounts. This makes Transunion civilly liable and Transunion may also be criminally liable as a participant in fraud pursuant to 15 US Code 1681c-2 ( a ). If you have verified information, please provide them so that I can investigate further as I have requested since XX/XX/XXXX. If you do not, please remove immediately. 

Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ), Transunion failed to verify multiple accounts as stated above several times. Consumer wrote Transunion on XX/XX/XXXX in which Transunion received the letter on XX/XX/XXXX. Unverified information still remains on report without any documented proof given to consumer as requested. Consumer sent Transunion a second letter on XX/XX/XXXX that Transunion received on XX/XX/XXXX. Unverified negative information remained on report without documented proof. A third letter was sent on XX/XX/XXXX, XXXX that Transunion received on XX/XX/XXXX. Unverified information still remains on credit report and file without any verified documented proof and without permission or instructions from consumer. There are several codes and laws in the Fair Credit Reporting Act that state Transunion MUST verify with legitimate documented proof. Transunion has blatantly disregarded and ignored these codes and laws repeatedly and has caused irreparable damage to the individual and natural person. 

All information that was mailed to Transunion will be attached in this complaint. I sent a copy of my drivers license as well as social security card which was included in packet. A utility bill will also be attached with this CFPB complaint in hopes that Transunion will act in good faith and respond lawfully and honorably as requested.

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