Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION BROKE THE LAW. 

Before I proceed, I'd like to remind TransUnion that per 15 USC 1681 ( a ) ( XXXX ) the banking system is dependent upon fair and accurate credit reporting. I have lost confidence in their ability to fairly report anything on my credit, which in turn makes me distrustful of the banking system. 

TransUnion is in violation of the following subsections of the FCRA. 

In 15 USC 1681 ( a ) ( XXXX ), Congress made it clear that TransUnion is an elaborate mechanism with no authority. Congress said in 15 USC 1681 ( a ) ( XXXX ) that they were not given this role, however their assumptions have caused me severe hardship due to their unfair reporting without first contacting me, the consumer. 15 USC 1681 ( a ) ( XXXX ). 

TransUnion has no proof any of these transaction even took place, and impartial information is being reported. Only one side of the story is being told. Transunion has infringed on my privacy by conversing with a XXXX party about me, and reporting this information as a result of that conversation. Based on 15 USC 1681 ( b ), this information did not meet the needs of the consumer. The negligent information they are continuing to report is defaming my character, and this false information being used it not equitable for me, the consumer. 

Per 15 USC 1681a ( XXXX ) ( a ) ( i ), if these alleged transactions took place, it would have been confidential in nature between the consumer, and the person, and TransUnion would have no way of knowing if it was accurate or relevant. TransUnion has betrayed my confidence, and due to these violations, I am DEMANDING the following accounts be excluded from my consumer report immediately. 

XXXX ) Alleged public record with XXXX XXXX XXXX CALIFORNIA. I have ALREADY provided information with the so-called " verified source '' that shows no such transaction on my report. You are boldly lying by continuing to report this information. Again, TransUnion is being unfair and discriminatory to me, the consumer. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX ) TXXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXXS XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, the consumer, am being discriminated against XXXX and treated unfairly by TransUnion. I have provided true statements and cited violations of 15 USC 1681. If the above listed accounts are not removed from my consumer report, I will assume you are willfully violating your obligations under the FCRA and seek remedy for damages of up to {$1000.00} per violation. 

Fix this immediately.

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