Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To : Transunion XXXX XXXX XXXX  XXXX, PA XXXX CC : Attorney General XXXX XXXX XXXXXXXX XXXXr, XXXX XXXX XXXX, PA XXXX CC : XXXX XXXX XXXX United States Attorney General U.S. Department of Justice XXXX XXXX XXXX, XXXX XXXX , DC XXXX TIME SENSITIVE MATTER! 
Dear Transunion, I, the consumer and natural man, was denied housing and transportation by several companies due to the inaccurate and unverified information you, Transunion, are furnishing onto my credit report. You are in direct violation of 15 USC 1681 ( b ). The law clearly states that you are required to have permission and written instructions from the consumer before you can furnish anything. Per Congress, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion acted impartially towards me because you furnished inaccurate information, defaming my character and reputation, with no proof. In addition, you are in major violation of my rights to privacy. You are frivolously reporting unverified information which is directly affecting my creditworthiness and reputation. I am exactly XXXX weeks from having my very first child and havent been able to secure myself due to your inaccurate and false information as it relates to me. This is fraudulent activity. Congress establishes that the purpose of the Fair Credit Reporting Act requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. Late payments being reflected on my consumer report is neither fair nor equitable to me. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report within ten ( 10 ) days, and I demand that you provide me with concrete evidence proof that I have given permission for these items to be reported on my behalf as well as proof from the creditor. Proof should be signed and in affidavit form delivered by certified mail. 
Your failure to comply will result in civil liability Pursuant to 15 USC1681 ( n ). Also, your failure to comply will result in me pursuing civil for damages action pursuant to 15 USC 1692 ( k ) and 15 USC 1640 If you are unable to provide me with the above request within ten ( 10 ) days, Please Delete The following accounts from my consumer credit Report 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX XXXX Without Recourse UCC 3-415, Without Prejudice All Natural Inalienable Rights Reserved

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