Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally address several ongoing issues concerning the accuracy of the information reported by TransUnion, privacy violations, and potential conflicts of interest that may influence the handling of consumer data. Over the past year, I have filed multiple complaints regarding privacy and accuracy issues with TransUnion, primarily through the Consumer Financial Protection Bureau ( CFPB ) and via mail. Despite these efforts, my concerns remain unresolved, and I have yet to receive any form of compensation for the inaccuracies that TransUnion has failed to validate before releasing false and harmful information that negatively impacts my creditworthiness.

According to the Fair Credit Reporting Act ( FCRA ), each violation requires a remedy of {$1000.00} per violation. The removal of complaints from my credit report without proper investigation or validation is deemed an admission of fault and non-compliance with the regulations that TransUnion itself acknowledges in its SEC filings. On page XXXX of TransUnion 's XXXX form, it is stated that your XXXX operations XXXX subject to numerous laws and regulations, including the FCRA, which promote the accuracy, fairness, and confidentiality of consumer information. However, my experience with your company suggests otherwise. 

This situation has made me increasingly wary of the actual integrity and accuracy of TransUnion as a company. If TransUnion is truly performing its due diligence, why is inaccurate information being furnished to my credit report, only to be deleted later? This pattern indicates that such information should not have been on my credit report in the first place, raising serious doubts about the reliability of your reporting practices. 

I find it particularly concerning that, despite numerous requests, TransUnion has consistently stated that the information reported on my credit file is accurate. This raises questions about whether financial gains with credit card companies or other entities are influencing TransUnion 's decisions. On page XXXX on the same 2023 XXXX form, TransUnion mentions XXXX classification of investments in debt and equity securities and their impact on earnings. Could this be the reason why TransUnion has refused to remove incorrect transactions or remarks from my credit report, thereby prioritizing financial interests over consumer protection? 

Moreover, I am deeply troubled by the promotional inquiries listed on my credit report. I would like to know if TransUnion has violated my privacy by selling or previewing my personal information to prospects without my explicit consent. This would constitute a serious breach of my privacy rights and further erode my trust in your company 's commitment to safeguarding consumer data. 

I request that TransUnion provides a full explanation and justification for the actions taken regarding my complaints, including the rationale behind maintaining inaccurate information on my credit report and failure to properly investigate. Additionally, I demand compensation for the FCRA violations that have occurred due to TransUnion 's failure to validate the accuracy of the information reported. Please also confirm whether my personal information has been sold or shared with third parties without my consent. 

I expect a written response within 30 days of receipt of this letter. Failure to address these concerns will leave me with no choice but to escalate the matter to the Federal Trade Commission ( FTC ), the SEC, and potentially pursue legal action for the damages incurred. I also want to highlight that every time I bring up a violation, the company closes out my complaint by stating it can not verify who I am, yet in other complaints filed on the CFPB platform, TransUnion has responded by either " updating '' or " deleting '' information. I would hope that the company does not choose to claim it can not verify me, especially since I have uploaded all necessary documents and there were no issues verifying my identity in other complaints. Additionally, I have repeatedly requested to receive my credit report but have not yet received XXXX. Please note that I am requesting my Credit File AND my Credit Report, as recognized in your SEC XXXX form.