Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On today XX/XX/2021 XXXX, I called Transunion to remove XXXX XXXX XXXX an unauthorized/use inquiry Pursuant to FCRA 15 USC 1602 ( p ). Pursuant to FDCPA 15 USC 1692c ( c ) ( 2 ) I invoked my right as the consumer and the original creditor, and Transunion refused my invocation of consumer rights 10 times. The first female employee name is XXXX, she denied/refused my invocation 5 times, and the following male employee/supervisor XXXX XXXX denied/refused my rights 5 times. Under FDCPA 1692k this is {$1000.00} each violation. Under FCRA 1681, this inquiry is a violation. This inquiry is not accurate, or fair credit reporting. Pursuant to 15 USC 1602 ( p ) This is unauthorized use of my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( b ), Transunion is in violation of this law. Transunion has violated my consumer confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
XXXX XXXX hung up the call terminated the call without my consent, which is another {$1000.00} violation under the FDCPA 1692k CIVIL LIABILITY.

Pursuant to 18 USC 3571 ( c ) ( 7 ) FINES FOR ORGANIZATIONS, this is an infraction, not more than {$10000.00}. 
Pursuant to 15 USC 6823 CRIMINAL PENALTY, ( a ) In General Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. 
( b ) Enhanced penalty for aggravated cases Whoever violates, or attempts to violate, section 6821 of this title while violating another law of the United States or as part of a pattern of any illegal activity involving more than {$100000.00} in a 12-month period shall be fined twice the amount provided in subsection ( b ) ( 3 ) or ( c ) ( 3 ) ( as the case may be ) of section 3571 of title 18, imprisoned for not more than 10 years, or both.

Pursuant to 15 USC 6821 PRIVACY PROTECTION FOR CUSTOMER INFORMATION OF FINANCIAL INSTITUTIONS ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution PURSUANT TO FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy rights as the consumer, and as the original creditor. My remedy demands are as follows Removal of XXXX XXXX off of my TRANSUNION report. 
Imprisonement upon XXXX, and XXXX XXXX, for not more than 10 years 15 USC 6823 Pay the total amount of fines as required by law.

TOTAL NUMBER OF VIOLATIONS- 54 TOTAL MONETARY REMEDY- {$54000.00}

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