Consumer complaint received 2023-03-13
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:
I am writing to express my serious concerns regarding the accuracy and fairness of my consumer report provided by TransUnion. Pursuant to 15 USC 1681 ( a ) ( 1 ), the banking system relies heavily on the fairness and accuracy of consumer reports, and I am disappointed to inform you that my report is inaccurate and unfair. 
Upon reviewing my report, I discovered several inaccuracies which are listed below XXXX ) XXXXXXXX XXXX  Account # XXXX XXXX ) XXXX XXXXXXXX XXXX Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX ) XXXXXXXX XXXX  Account XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX Pursuant to USC 1681 ( a ) ( 1 ) TransUnion failed to notify me when the inaccurate information was furnished, and I was not informed when they was going to report this information during your initial investigation. This lack of transparency and communication violates my consumer rights, and this grave error undermines my confidence in your company 's procedures. 


Furthermore, pursuant to 15 USC 1681 ( a ) ( 3 ), transunion assumed a role that was not authorized to take on without express permission from me or a competent court of jurisdiction. This assumption of responsibility, without proper investigation, is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), transunion failed to ensure that the information provided in my report was accurate and did not exercise their grave responsibility with fairness and impartiality required in such circumstances. Also they did not consult with me to verify whether the alleged transaction even took place, and only took one side of the story, thereby breaching my privacy and violating my right to privacy. 

Additionally, pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( a ) ( iii ), I was not given the opportunity to deny the information being communicated on my consumer report during the initial investigation, which is yet another violation of my consumer rights.

Finally, pursuant to 15 USC 1681 ( a ) ( B ), any authorization of a specific extension of credit of a credit cardor similar device should be excluded from my consumer report. The alleged transaction, which transunion clearly did not investigate, is categorized as a transaction issued from a credit card, as defined under 15 USC 1602 ( l ).

Considering these serious violations, I demand that TransUnion take the necessary steps to remove this inaccurate information from my consumer report. As a result of TransUnions actions, my confidence in their company 's procedures have been undermined, and I will no longer extend credit and request my information no longer be reported if this information isn't removed.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

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