Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Ive sent in several letters to TransUnion, is an effort to dispute and have a inaccurate public record removed. My complaint today is in regard to the following issues 1. My initial complaint submitted in May has not been honored. The company has NOT provided the METHOD OF VERIFICATION/ validation as requested although they state the account is verified as accurate. I requested this on TWO separate occasions, it is witihin my rights to request this information. TransUnion has failed to COMPLY.

2. They updated the public record, instead of DELETING the item from my report entirely. Their update STILL shows SERIOUS INACCUARTE information.

3. The item needs to be REMOVED - Ive highlighted numerous major errors and inaccuracies and sent to TransUnion, all VALID reasons for the item to be deleted - I sent in an original copy of a letter addressed to me XXXX XXXX XXXX, from the Clerk of court of the US Bankruptcy Court of Wisconsin Eastern District stating that they do NOT report ANY information to ANY credit agency Per federal law, all items should be verified with the ORIGINAL SOURCE. Since I have correspondence from the Clerk of Court, I know this was not done.

- Since they have failed to provide the method of verification, I can only assume it was obtained ILLEGALY, I have not given permission to ANY 3rd party company to obtain, house, or report any personal information regarding myself 4. TransUnion LLC has violated my rights as a consumer under the Fair Credit Reporting Act - Laws violated are as follows : o [ 15 U.S.C. 1681 ] 602 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers rights to privacy o 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Accordingly, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave your company, or ANY 3rd party company written consent to obtain, house, and/or report this personal and confidential information ( Reasonable procedures ( b ) indicates the regard to confidentiality and accuracy ), no consent is identity theft o FCRA 611 [ 15 U.S.C. 1681i ] o It is illegal to report information that you know or believe is inaccurate and you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate, according to FCRA Section 623 ( a ) ( 1 ) ( C ) o Under federal law you have thirty ( 30 ) days to complete your investigation and notify me of your investigation results and fifteen ( 15 ) days to provide the description of the procedure used to determine the accuracy and completeness of the information o 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

o 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

- Under Federal Law TransUnion is required to report only 100 % accurate information. They are NOT doing this in my case and blatantly refuse to cease and desist from reporting this Illegal and highly inaccurate information

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