Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion constantly continues to violate my rights as a consumer by denying my request to remove fraudulent accounts and inquires on my consumer report. I've sent multiple letters, signed and stamped affidavits, with copy of drivers and social security card to verify my identity and still has the audacity to continue to violate my rights as a consumer. The following are complete facts of how Transunion are violating my rights backed up by congress. I WILL CONTINUE TO DISPUTE THIS ISSUE UNTIL ITS RESOLVED. I WILL TAKE LEGAL ACTIONS IF NEEDED. 

Fact, the Fair Debt Collection Practices Act, 15 USC 1692, is intended to secure my right to privacy.

Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report.

Fact, 15 USC 1681 ( a ) ( 2 ) states that credit reporting is a vital part of a consumers reputation.

Fact, 15 USC 1681a ( 4 ) states that consumer reporting agencies must respect a consumers right to privacy and be fair and impartial in its reporting.

Fact, by furnishing the fraudulent information, TRANSUNION is not respecting the Affiants right to privacy nor being fair and impartial, violation of 15 USC 1681a ( 4 ). 

Fact, I am a federally protected consumer. 

Fact, 15 USC 1681a ( d ) ( 1 ) further defines that a consumer report is part of a consumers general reputation.

Fact, by continuing to furnish the fraudulent information TRANSUNION has INTENTIONALLY damaged my reputation and committed WILLFUL neglect/negligence.

Fact, Personnel to 15 USC 1681b ( 2 ), TRANSUNION can only furnish what a consumer states through written instruction.

Fact, I have not, nor ever given such written instruction to furnish the fraudulent, negative and erroneous information highlighted in exhibit A. 

Fact, none of the requested inquiries, accounts and collections does NOT belong to me, has been furnished in a breach of my identity and due to such must be removed. 

Fact, TRANSUNION has damaged my reputation by furnishing fraudulent, negative information onto Affiants credit profile, violating 15 USC 1681, see proof in exhibit B.

Fact, in accordance with 15 USC 1681c-2, I sent the required Identity theft report to TRANSUNION and TRANSUNION was REQUIRED to remove and BLOCK the information listed on my consumer report Fact, TRANSUNION has Failed to Remove and BLOCK the fraudulent information included on the Affiants identity theft report from my consumer report.

Fact, 15 USC 1681e ( b ) requires Consumer Reporting Agencies to have 100 % accuracy on the reports they furnish.

Fact, TRANSUNION does not have 100 % accuracy on the report furnished for the Affiant and is in violation of 15 USC 1681e ( b ) Fact, Personnel to 15 USC 1681 ( a ) ( 5 ) ( c ), a Consumer Reporting Agency Must remove any inaccurate information that can not be validated. 

Fact, TRANSUNION has not removed the fraudulent and inaccurate information and is in Violation of 15 USC 1681 ( a ) ( 5 ) ( c ), Fact, personnel to 15 USC 1681b ( a ) ( 3 ) ( F ), TRANSUNION must have a legitimate Business need to furnish any information.

Fact, TRANSUNION has no legitimate business need to furnish the fraudulent information in Exhibits A and D, violation of 15 USC 1681b ( a ) ( 3 ) ( F ).

Fact, All Debt is considered a PRIVATE affair in relation to me.

Fact, TRANSUNION Infringes upon the Affiants right to confidentiality and privacy by furnishing the fraudulent information. violation of 15 USC 1681.

Fact, I the Affiant is allowed to pursue {$1000.00} in monetary relief PER violation including court fees and any other compensation as determined by the court. 

Fact, ANY person ( s ) negligent with Respect to the consumer is liable for damages pursuant to 15 USC 1681o ( b ).

Fact, TRANSUNION is liable for all damages in relation to me as a result of this intentional and Fraudulent reporting on Affiants consumer report.

Fact, TRANSUNION has caused me significant financial injury by not following 15 USC 1681c-2 and failing to remove the fraudulent information from the Affiants consumer report Fact, Personnel to 15 USC 1681h ( e ) It is with my right to sue TRANSUNION for furnishing false/fraudulent information with malice/willful intent, TRANSUNION has proved willful intent by not removing within the 4 day time period and continuing to report the fraudulent information.

Fact, as of the current date of this letter TRANSUNION is STILL furnishing the fraudulent information listed on Affiants consumer report and refuses to comply with the law and remove it. 

Fact, TRANSUNION Received my Initial correspondence.

Fact, TRANSUNION also received my correspondence through the CFPB via online portal.

Fact, Emotional Distress can not be measured. 

Fact, any violation of FCRA by mail is also considered mail fraud and shall be reported to the appropriate authorities.

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