Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
NOTICE OF DISPUTE/ DELETION LETTER XXXX duplicated closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern , your company " XXXX '' the consumer reporting agency has broken many laws and violated me and my rights as a consumer.

Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) where it is stated by congress that the banking system is dependent upon my consumer report being fair and accurately furnished. This, being my last and final attempt at addressing these violations I will state once more that my report has many inaccuracies and violations that your company refuses to take responsibility and accountability for and fix in thee exact manner that I have request multiple time which are in accordance to the consumer laws and my rights. My report is inaccurate and that is unfair to me. I was never notified when this inaccurate information was furnished and i was never notified during your companies initial investigation that you were going to report this information.

Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies procedures and as a result of this I WILL NO LONGER BE EXTENDING MY CREDIT, and if this information is not removed I WILL NO LONGER ALLOW MY INFORMATION TO BE REPORTED IN YOUR COMPANIES DATABASE.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) your company has no power and is regarded to as by congress an elaborate mechanism. This nonsense that your company has caused has tarnished my reputation and adversely affected my credit worthiness as well as negatively affected mine and my families livelihood.

Pursuant to 15 U.S.C 1681 ( a ) ( 3 ) where it is made clear that you have no real power your company assumed this role rather than it had been by express permission given by me, the consumer or even a competent court of jurisdiction. So, not only did your company fail to do a proper and legitimate initial investigation of these information 's your company also as stated before assumed the role and then had the audacity to assume the information was valid which is a violation of my consumer rights.

Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I recognize that you did not insure that this information is accurate and you did not exercise your GRAVE responsibility with fairness and impartiality. You only received one side of the story and never consulted with me to find out if this transaction even took place. Due to this negligence my rights privacy has been violated and breached.

Pursuant to 15 U.S.C 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) where congress makes it extremely clear that a consumer report should not include any transactions between the consume rand the person ( s ) making the reports. These alleged transactions that your company is reporting and have failed to properly investigate whether it factually took place or not can be categorized as a transaction that took place between the consumer and the person making the report. Which means as stated before should not be included in my consumer report and is actually and factually by law a violation of my consumer rights.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that waas issued from a credit card as it is defined under 15 U.S.C 1602 ( L )

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