Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I disputed information in my TransUnion consumer report that was being furnished by : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX I requested the original contract between myself and The Bank XXXX Missouri which contained my written signature, showing that I had agreed to any disclosures and terms of this contract, thereby establishing said contract to be legally binding in its entirety on behalf of both parties. Instead of sending me the requested information containing my siganature, or removing the disputed account from my report, TransUnion did what it has always done, and reported the following information to my consumer report : INVESTIGATION RESULTS- VERIFIED and UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity.

Pursuant to 15 US Code 1681 ( a ), and 1681 ( b ), the Congress has defined the importance of accuracy and fairness in credit reporting : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I also requested that TransUnion conduct or have an outside company conduct an investigative consumer report as defined in 15 US Code 1681 ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Being that TransUnion is a consumer reporting agency, as defined pursuant to 15 US Code 1681 ( f ), ( f ) The term consumer reporting agency means any person which, for 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. It has a clear motive not to change anything in their system to correct any information about a consumer, because this is how they make money. If they were to conduct a true and accurate investigation and correct the disputed account information by deleting it from my consumer report, they would actually be losing money. This reasoning certainly does not make it morally acceptable, nor is it lawful iany way. I have had this issue with this agency for over 5 years and I never knew anything about the Fair Credit Reporting Act. Now that I have been studying these laws inacted to protect the consumer, I will do everything within my power to hold them legally responsible for the mental, physical, and emotional pain and suffering that I have endured as a result of the callously gross negligence at the cost of marriage and health, not to mention the time and financial XXXX hardship that I have also been forced to accept, just so that they could make a few dollars. I would have come out much better if I had paid them what they received from companies to which they furnish and trade false information with concerning me. I have lost my wife and been diagnosed with XXXX XXXX XXXXXXXX regarding my inability to fix my credit and have some sort of justice done in my favor. I can't believe that I actually contemplated commiting suicide. I truly can not stand this agency and I pray that they are held accountable soon for their inconsiderate ways. They never explained to me how this information was verified as I also requested. I truly think that they are such a big company that they feel as if they are above the law and that the CFPB has no power over them to make them perform in the lawful manner that is clearly designed for this exact reason.

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 explanation