Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
First I would like to start out by stating that this is the consumer, in fact, XXXX XXXX. This is not a 3rd party or credit repair company so there should be no reason why Transunion should be confused in any way or try to claim this complaint was made in mistake or by a 3rd party. 

Now, Transunion has broken the law. It is in the very first section of the FCRA that Congress states that it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and that in failing to do so, they directly impair the efficiency of the banking system and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

In regards to the XXXX XXXX account ( # XXXX ) that is furnished on my consumer report, Transunion has failed to comply with 15 usc 1681e ( b ) ( Exhibit A attached ) that states they are to follow reasonable procedures to assure maximum accuracy. Not only did they not do an investigation and verify the accuracy of the account before they furnished it, they immediately took the side of XXXX XXXX because they paid to have it furnished on my consumer report. This is unfair, and after I formally disputed it, they sent back a generic, automated response as to how they " verified it '' ( Exhibit D attached ), notice all of the " OR 's '' on their response... this is clearly an automated response, likely from e-oscar. They did no real investigation into this account. 

If they did, they would have complied with what congress deems as an investigative consumer report, which is outlined in 15 usc 1681a ( e ) ( Exhibit C attached ) which states they are supposed to do personal interviews with my neighbors, family, friends, or associated who may have knowledge about such information. They never did that, and failed to comply with federal law. If they did, they need to notify me of all the names and addresses of the individuals whom they contacted in their investigation. If they cant, they MUST REMOVE this account from my report and file. 

In reference to Exhibit G, not only am I not associated with the referenced address, that address does not even exist. It is a residential address, not an apartment, which directly shows the incompetence of both XXXX XXXX AND Transunion who did zero investigation into the accuracy of this account that allegedly belongs to me. 

On top of that, in reference to Exhibit E and F, this exact account has been removed for over a year from both XXXX and XXXX. Why? Because this account does not belong to me and their investigation proved that. How Transunion is still reporting this erroneous and inaccurate account that does not belong to me is totally beyond me and is ridiculous. 

To add to this, I did not give them permission to furnish this account on my consumer report. Not only did they not verify with me before reporting this account and in turn ruined my credit and chances to get a decent interest rate on both a credit card and a car loan, they did not comply with 15 usc 1681b ( a ) ( 2 ) ( Exhibit B attached ) which states that they need my written permission to furnish this account on my report, which they never received from me because I never gave them written permission in the first place, on top of them not even asking me once about the account prior to furnishing and just believing XXXX blindly because they paid Transunion... .THIS IS A CONFLICT OF INTEREST!!! 

Exhibit H and I ( attached ) outline the civil liability section of the FCRA which I intend to pursue in court if they do not make this right by me, the consumer. 

Lastly, Transunion is an accomplice in a crime with XXXX XXXX. On XX/XX/2021 I sent XXXX XXXX a written cease and desist letter ( Exhibit J attached ). By law, they are supposed to stop any communication with me. Communication, persuant to Title 15 Chapter 41, is defined as " the conveying of information regarding a debt directly or indirectly through any medium. '' My consumer report is a MEDIUM, and furnishing this account is INDIRECT COMMUNICATION of an ALLEGED debt that does not belong to me. And Transunion is assisting with this by choosing to continue to furnish an account they did no real investigation on Transunion is affecting my personal life and reputation, as it has been difficult getting approved for credit cards, and I am being forced to pay high interest rate for a car. I am also not able to get approved for a home because of their lack of compliance and straight up negligence to be fair to the consumer.

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