Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact.

Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ) Notice, it is a fact, affiant is aware TRANSUNION is a consumer reporting agency pursuant to 15 U.S.Code 1681a ( f ) due to their business practices of collecting monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. Transunion fails to complete a full investigation. I, the affiant, allege no such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) Notice, it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer and affiant in fact has the right to demand compliance within 5 days for the results of a reinvestigation via written notice. TRANSUNION has failed to comply in the past, and I, the affiant, are demanding TRANSUNION to comply with a response within 5 days of this notice with my written instructions. This is a violation of 15 U.S. Code 1681i ( 6 ) ( A ) and the accounts listed below must be removed. 

Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). TRANSUNION has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent.

Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to TRANSUNION which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit A shows proof of 15 U.S.Code 1681b ( a ) ( 2 ) being violated by TRANSUNION, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A.

Notice, it is a fact, affiant is aware, each requirement of the FCRA which TRANSUNION fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making TRANSUNION liable for each consecutive reporting shown in Exhibit A.

Notice, it is a fact, affiant is aware, negligence is neglecting requirements that should be known. I, the affiant and consumer, made TRANSUNION aware of, prior and continued failures of reasonable procedures as seen in Exhibit A. The affiant has reason to believe and do so believes due to TRANSUNION business practices, TRANSUNION actions are liable under 15 U.S. Code 1681o for the actual damages caused to me, the consumer in fact.

Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 1681g I, the consumer have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 ) that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1-year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. If any of the following accounts do not have the sources of information available, they must be removed. The following accounts require verification or must be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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