Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion broke the Law!!!!

You are in violation pursuant to 15 USC 1681 of the Fair Credit Reporting Act. 

I want to make it known to your company and the people that are in position of authority.

Congress makes it known of the accuracy and fairness of credit reporting. Congress also make it clear that 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 which is essential to the continued functioning of the banking system. Meaning the banking system is dependent upon my consumer reports being fair and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). 

TransUnion is an elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. In other words, TransUnion doesnt have a real position when it comes to consumers and no authority. Pursuant to 15 USC 1681 ( a ) ( 2 ).

Congress makes it clear that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. TransUnion has no real assumption, it has no real authority or position to report information on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 3 ).

Congress ensures that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion was unfair when reporting this information, you dont have accurate information and no proof of the transaction.TransUnion was also impartial because you let this information be reported. Pursuant to 15 USC 1681 ( a ) ( 4 ).

Congress defines Consumer Report means any written, oral communication by a consumer reporting agency bearing on my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living. TransUnion has destroyed my way of living, damaged my reputation and others around me. My consumer report is only supposed to be used for personal, family, household, and employment purposes. Pursuant to 15 USC 1681a ( d ) ( 1 ) ( A ) ( B ).

Negative, derogatory, inquiries are exclusions of my consumer report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ). Exclusions ; Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card of similar device.

TransUnion admit they did an investigation on my consumer report. Well who did you, TransUnion interview during the investigation. The term investigative consumer report means a consumer report or portion thereof 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 my consumer reported on with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Pursuant to 15 USC 1681a ( e ) During the dispute process on my credit report by federal law, the accounts are supposed to be removed from my consumer report while a full and complete investigation is being done. Pursuant to 15 USC 1681i ( A ) ( 1 ) ( A ).

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 explanation