Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
As of XX/XX/XXXX, Transunion continues to maintain a public record that I have been disputing since XX/XX/XXXX. 

When the record came back as verified, I called to find out who reported it because the courts do not report public records. At the time I was told that it was from the courts themselves. So after sending back a court letter stating this information, Transunion stated it to be frivolous. So I called again to find out where the information was pulled from and to no avail, no resolution was reached. In XX/XX/XXXX, I finally found evidence that the public records vendor was XXXX and contacted them immediately. I noticed that the public record had not only two different filing statuses ', but a SSN attached to the reference number. When I pointed this out, it was immediately removed from the XXXX database. After sending this proof to Transunion, they stated that their vendor still verified the record. Prior to XX/XX/XXXX, Transunion publicly claimed XXXX as the sole provider of public records. 

So I went back to the website and found the alternate vendor, LCI. Even though this was not the vendor, I wanted to do my due diligence to see where Transunion would look to maintain such a gross record for no reason. After being sent a letter in 2022, LCI stated that they did not report the record to TransUnion. When I sent in the proof to TransUnion again, I was sent back a letter stating they would not re-investigate the matter. 

I followed up by asking the investigation procedure and according to TransUnion, they hire a XXXX party vendor to report public records. I also, previously, reached out to the courts who stated a public record can't maintain multiple filing statuses. XXXX, XXXX XXXX, LCI, and the courts do not have any public record that has been reported to Transunion. However, TransUnion refuses to remove this record from my credit report. I have sent all of this proof and was still denied a fair investigation. 

As of today, Transunion has violated at least a dozen times and picks and chooses which times and which letters they want to review or adhere to when my protections under federal law are clear. As a consumer, I have a right to privacy which is being breached for profit by this organization. Furthermore, a private company such as Transunion was given no such written permission to collect let alone furnish damaging information about me to others and not only that, maintain a record that can not be verified by any vendor that they share publicly. I have reached my wits end as Transunion has violated the following laws, 15 U.S.C. 1681 section 1602 A states I have a right to privacy 15 U.S.C. 1681 section 1604 A Section 2 states that a credit reporting agency can not furnish an account without written permission 15 U.S.C. 1681 section 623 ( A ) states that a credit reporting agency can't report with actual knowledge of errors 15 U.S.C. 1681 section 623 ( B ) states that a credit reporting agency can't report information after notice and confirmation of errors

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