Consumer complaint received 2024-08-11 00:00:00
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.
State: PA

Complaint narrative:
In response to CFPB Compliant # XXXX filed on XX/XX/year>, TRANSUNION stated the following on XX/XX/year> : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. We have mailed a copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. In response to your request for a description of the dispute procedure, we sent you a letter listing the actions we take : TransUnion reviews all available relevant information and contacts the data furnisher to verify the accuracy of the information if we are unable to make the change based on the information you provided, we update our records with the information the creditor provides in response to the dispute, and then we send you the results of the investigation including the contact information of the company that verified the data so you can contact them directly if needed. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other miscellaneous actions take based on your request were : Inquiry DELETED TRANSUNION failed to complete my investigation within 30 days. The investigation was completed on XX/XX/year>. 
This complaint demanded that the listed information be removed from my TRANSUNION credit report within 4 business days and for my credit report to be updated immediately according to FCRA US. Violating my rights under FCRA 605 ( b ) ( 15 U.S. Code 1681c2 ) -Block of information resulting from identity theft. 

TRANSUNION violated my rights under the FCRA by failing to remove all items on my credit report as a result of identity theft and Fraud. 
TRANSUNION failed to remove the items listed in their CFPB response in section 2 above and update my credit file. 

TRANSUNION has removed several accounts and collections from my report and reinserted the information on my report. Failing to notify me of this reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Violating my rights under FCRA 15 USC 1681i ( 5 ) ( b ) ( ii ) - Procedure in case of disputed accuracy. Those items were : XXXX XXXX XXXX XXXX XXXX After providing TRANSUNION with disputes FTC identity theft report and CFPB complaint via certified mail, as well as the response TRANSUNION provided the CFPB on XX/XX/year> following their own thorough investigation, TRANSUNION is aware that are violating my rights under the FCRA because it is the duty to ensure to provide maximum accuracy when reporting information on any consumer file. Violating my rights under FCRA 15 USC 1681 I ( 5 ) ( a ) ( i ) - Treatment of inaccurate and unverifiable information. 

TRANSUNION in violation of my right under the following FCRA laws : 1. FCRA 605 ( b ) ( 15 U.S. Code 1681c2 ) -Block of information resulting from identity theft.

2. FCRA 15 USC 1681i ( 5 ) ( b ) ( i ) 3. FCRA 15 USC 1681i ( 5 ) ( b ) ( ii ) 4. 15 USC 1681 Section 602 ( A ) - Right to Privacy 5. 15 USC 1681 Section 604 ( A ) Section 2- States a consumer reporting agency can not furnish an account without my written consent and instructions. 
6. Defamation of Character 7. Negligent Enhancement of Identity Fraud 8. Violation of the Fair Credit Reporting Act 9. Violation under 15 U.S. Code 1681o- Civil liability for negligent non compliance 10. Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance 11. Failing to comply with 15 U.S. Code1692 ( g ) 12. Violation under 15 U.S. Code 1681b- Permissible Purposes of Consumer Reports 13. Under 15 U.S.C 1681i ( 7 ) - Method of Verification 14. Violations under U.S.C 1681a ( 4 ) - Right to Privacy 15. Violations under 15 U.S. Code 1681c- Requirements Relating to Information Contained in Consumer Reports. 

FCRA15 USC 1681n 15 USC 1681n ( 1 ) ( a ) and ( b ) Civil liability for willful noncompliance and FCRA 15 USC 1681n ( 2 ) ( b ) -Civil liability for knowing noncompliance states : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

I am demanding that Transunion provides me the consumer both monetary damages up to the maximum of {$1000.00} per violation ( {$15000.00} ) and non-monetary relief by PERMANENTLY REMOVING ALL ITEMS ( fraudulent accounts and Hard inquiries ) from CFPB response to complaint # XXXX and for my CREDIT REPORT to be updated within 4 business days of this complaint. And lastly, for TRANSUNION to notify and contact me WHEN ALL PREVIOUSLY REMOVED and NEW CREDITORS FURNISH TRANSUNION INFORMATION BEING ADDED TO MY CREDIT REPORT TO CONFIRM ACCURACY BEFORE REPORTING! 


TransUnion credit report obtained XX/XX/year> attached.

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