Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
I am filing this complaint to expose the ongoing, gross negligence and unlawful actions of TransUnion LLC and XXXX, a company that has not only continuously failed to uphold the basic tenets of law but has subjected me to unimaginable emotional turmoil, financial devastation, and irreparable harm over the course of XXXX agonizing years. 

TransUnions and XXXX reckless behavior and willful disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act have wreaked havoc on my life, denying me the dignity of creditworthiness and stripping away my ability to provide for myself and my family. 

Their refusal to correct blatantly false child support information, despite my repeated attempts to rectify the situation, has not only left me financially crippled, but it has robbed me of peace, joy, and emotional stability. The very reporting of this fraudulent information represents a violation so egregious, so inhumane, that it begs for swift and punitive action. 

Details of the Complaint : Deliberate Misreporting of Fraudulent Child Support Information : TransUnion and XXXX continues to report inaccurate and fraudulent child support obligations on my credit report, KNOWING FULL WELL that this information is both incorrect and illegal to report. Despite receiving multiple certified disputeseach carefully documented with supporting evidenceXXXX and XXXX has intentionally ignored its duty under the FCRA ( 15 U.S.C. 1681 ) to maintain the accuracy of information.

Violation of My Privacy Rights : This child support information was disclosed without my consent, making it a flagrant violation of the Privacy Act ( 5 U.S.C. 552a ). I have never given permission for my personal information to be weaponized against me in this manner. TransUnion and XXXX has not only disrespected my privacy but has also contributed to the spread of harmful misinformation that continues to destroy my reputation and credit standing. 

Negligent Failure to Investigate : I have sent TransUnion and XXXX countless certified letters, providing indisputable proof of this fraudulent reporting, yet they have arrogantly refused to conduct a reasonable investigation as required by FCRA ( 15 U.S.C. 1681i ). Their blatant failure to investigate or rectify the situation leaves me no choice but to seek the full damages I am entitled to under the law.

Unrelenting Harm and Pain : Credit Denials : I have been humiliated time and time again, denied credit for basic life necessities like purchasing a vehicle for transportation. 
Emotional Trauma : The psychological toll of XXXX and XXXX 's negligence has driven me into XXXX XXXXXXXX, and daily stress. My mental health has been shattered by this relentless harassment and the knowledge that my financial future has been unjustly sabotaged. 
Loss of XXXX and Opportunities : I have lost countless investment and job opportunities because of XXXX and XXXX 's reckless actions. 
Financial Devastation : These malicious reports have caused irreparable financial hardship, preventing me from living my life with even a shred of financial dignity or security. 
Actions Ive Taken : I have made every effort to resolve this issue with dignity and respect, sending dispute after dispute, supported by documentation and legal precedent. I have cited case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which expose the fraudulent nature of child support reporting for the state 's benefit, but TransUnions and XXXX XXXX disregard for both the law and human decency knows no bounds.

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