Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TransUnion, On XXXX I filed a dispute through the Consumer Financial Protection Bureau XXXX CFPB ) dispute/complaint # XXXX. You responded on XX/XX/XXXX with a letter willfully failing to comply with the requirements imposed by XXXX  under the FCRA ( see attachment A ). Your attached letter was a summary of someones payment history your furnishing on my consumer report stating verified as accurate. In my complaint I specifically addressed two fraudulent accounts furnishing on my consumer report by your company. ( XXXX XXXX ) This unbeknownst furnishing of said fraudulent accounts on my consumer report is a grave invasion of my privacy which is also a blatant violation of my consumer rights laid out by Congress. 15 USC 1681 ( a ) ( 4 ) States there is a need to insure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect to the consumers rights to privacy. This clearly states theres a need for you the consumer reporting agencies to exercise your grave responsibility to insure my right to privacy. Especially in this grave time, with all the scrutiny of millions of inaccuracies and non investigation accusations coming against the consumer reporting agencies from XXXX and consumers alike. As well as Its been clearly and openly admitted by your company that they discard millions of disputes a year without investigation. Discarding disputes violates the fair credit reporting act ( FCRA ). The CFPB has already cited you consumer reporting agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggles, scams, and identity thefts and so forth. XXXX laid out remedies to govern and help consumers combat these abusive and unethical practices you consumer reporting agencies are displaying in these days and times. So as a third and final attempt Per 15 USC 1681i ( a ) ( 1 ) I the consumer XXXX XXXX dispute and request a independent reinvestigate consumer report on said fraudulent accounts your furnishing on my consumer report. I also request per 15 USC 1681d ( b ) a complete and accurate disclosure of the nature and scope of the investigation. A investigative consumer report is defined by Congress as 15 USC 1681a ( e ) a consumer report or portion therefore in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported. With your bold and blatant violation of my Privacy Per 15 USC 1681 ( a ) ( 4 ) of not exercising your grave responsibilities with fairness, impartiality, and a respect for my the consumer right to privacy. By furnishing and sharing my information unbeknownst my knowledge or consent or any other kind of investigation. Per 15 USC 1681i ( 7 ) I the consumer XXXX XXXX request a description of method of the reinvestigation referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I request all documents involved in the reinvestigation consumer report pertaining to the 2 unbeknownst fraudulent accounts your furnishing on my consumer report without my knowledge or consent. Which includes but not limited to any and all CONSENTING documents, XXXX XXXX, signed credit application showing consent, assignments, purchase of debt, ledger of the accounting documents, transaction history, signature analysis, and anything else relating to the consumer for review of how your company came to believe these fraudulent inaccurate accounts where verified as accurate and mine through your reinvestigation. 15 USC 1681g ( a ) ( 1 ) Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : All information in the consumers file at the time of the request. 
This is a third a final request. You may wan na address this issue immediately. In XXXX XXXX TRANS UNION COPR the courts cited that under 15 USC 1681 ( a ) That where fraud has occurred, the statue places the burden of investigation squarely on the the consumer reporting agencies. I disputed and requested ( complaint # XXXX attachment B ) the method of investigation used to determine your verified as accurate letter ( attachment a ). By for some reason you cant produce your description of method of your investigation, 15 USC 1681i ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer. 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this sub chapter with respect to any consumer is liable to that consumer. This will be considered Notice that if failed to comply will result in Civil Penalties. 

Sincerely yours, 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