Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and theres no third party involved. On or about XX/XX/XXXX I sent an AOT via certified mail with return receipt validating that I am pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due course for all derivates thereof for the surname/given name, XXXX XXXX XXXX 

Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it and : They are reporting erroneous, unverified original creditor, invalidated debt on my consumer report without my written consent. Pursuant to 15 U.S. Code 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt. Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy and proper utilization of such information. TransUnion is not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; I have submitted again to TransUnion and XXXX an AOT and FTC numerous times as they have not made the necessary corrections to my consumer report. This document was sent via certified mail w/return receipt as all correspondence to them. I have provided Transunion XXXX XXXX with factual proof that the items they are listing were removed from the other CRA 's as well as XXXX XXXX as they too were in violation of pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed upon me the consumers right to privacy and that violation pursuant to 15 usc 1681b ( a ) ( 2 ) in accordance with the written instructions of me the consumer to whom it relates did not have permissible purpose nor did I provide them with written permission to list such private matter. Therefore, has since removed such items and all items associated with such account. 

Return receipt XX/XX/XXXX validates that they received my AOT. XX/XX/XXXX I received a notice that did not provide me with a signed AOT rebutting my AOT pursuant to Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etcwho may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury. I requested that they produce a contract showing that I granted them permission to furnish a consumer report on my behalf. And if you have that permission, please have your Sr Executive to create an Affidavit to me and have it notarized by that Sr Executive saying that I granted you permission to furnish this consumer report on my behalf. They have not done so.

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