Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Disputed the company XXXX XXXX with Transunion over 3 times and each time within two weeks it comes back as verified without proof or validation and new updates changed from the previous fraud it reported. Nor have I been sent a new credit report by mail as required by FCRA/FDCPA. The account was disputed for Statue of limitations fraud, which seems to have been over 7 years and previously reporting as a factoring company which they have recently updated to " debt buyer '' per my last dispute and CFPB complaint, while blatantly ignoring all other requests to delete due to statements of fraudulent errors, and violations of 15 usc 1681b which means they have no permissible purposes granted by me and can not be granted these permissible purposes by Transunion on my behalf, as I have also not given Transunion the authority to do so or consented to. I have stated in writing " I do not consent to have my information shared with third party and do not authorize the use of my private information to be shared '' to which I have been constantly and intentionally ignored by both companies : Transunion and Portfolio Recovery. Transunion has also added back an account that had been previously deleted due to fraud ( XXXX XXXX ) and this also has had adverse effects on my reports. During this time they have intentionally blocked me from accessing my report online over this past year as well as communicating with them via phone when I have tried to reach out about my locked account, pretty much blacklisted. They have been notified in writing about XXXX XXXX and informed it is reporting inaccurate information which sustains fraud and the alleged account is reporting over the Statute of limitations. Despite the facts, Transunion has allowed this company to continue to report inaccurate and fraud as a new recent account which is adversely disrupting my livelihood and taking too much time resolving each time I have been denied my rights to having this reporting information and account deleted. I have submitted a fraud alert to FTC against both Portfolio Recovery and in the past, XXXX XXXX, as well as a separate CFPB complaints, as informed by Transunion upon recent contact via chat regarding the accounts. Yet they are still not doing their part in removing the alleged reports associated with both nonaffiliated companies and should be audited by FCRA. This is fraud to report inaccurate information upon being informed they have no right or authorization from me and have been asked on several occasions to delete under 15 us 1681. Resulting and displaying bad faith practices on behalf of Transunion who owe due diligence to all consumers under FCRA regulations which is LAW. The " debt buyer '' XXXX XXXX which has been involved in lawsuits for the same reasons contained in my dispute ( reporting inaccurate information, reporting over XXXX, reporting accounts as open, previously reporting as a factoring company, reporting without my permissions '' and so on ) but I have not been given the same relief as others in the similar situations, despite confirmation of lawful facts as to why this is fraud and inaccurate and should be immediately removed. Its discriminatory, and intentional fraud to continue to update and report after being notified. It is also harassment and deceptive, intimidation, predatory and retaliatory practices both all companies contained in this complaint.

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