Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In my response to my CFPB complaint previously sent as complaint number XXXX dated XX/XX/2023, the disputed company is using more misdirection tactics and offensively saying they apologize for any difficulty I may have experienced as a result of their fraudulent activities and violation of my consumer rights. I am providing further evidence of the escalating injury being caused to my person 's reputation and emotional well-being due to Transunion 's continuing fraudulent activity. As of this second complaint I am sending on XX/XX/2023 against Transunion, their fraudulent activity and multiple violations of my consumer rights is still occurring In the middle of an already abusive response received by Transunion on XX/XX/2023, via my CFPB complaint, I received three separate harassing and equally unwanted communications from Transunion via email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, suggesting, to my disbelief, I provide feedback to make sure they are providing the highest level of customer service support ; this is gaslighting, I have attached said emails. 

I am XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and there is increasing escalation of hardship because of this extended situation with Transunion not complying. I am not able to improve my current quality of life and launch my new business because I can not get approved for any funding. I am also highly stressed out and experiencing severe relationship-ending issues as a result of how long I am feeling violated by Transunion and the agents who are trained by Transunion who bulldoze the consumer with their fraudulent internal policies instead of following the law as mandated by congress. 

It is obvious I am being treated unlawfully by Transunion. The actions of Transunion are causing injury to my personal reputation and above all, I am a consumer and I have a right to my privacy under law and as stated in 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( XXXX ) 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 while is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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