Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent transunion a Reinvestigation letter on XX/XX/XXXX for XXXX XXXXXXXX and XXXX because on XX/XX/XXXX transunion verified through the CFPB that the account was verified and updated. Not only has it been more than 30 days since I heard back from them. I also requested that they provide me with a description of what was updated and modified and to provide me with a copy of any documents with my signature on it. Pursuant to 15 usc 1611 this reporting agency is criminally liable, and I am seeking relief and monetary damages under the FCRA section 616 & 617.

Civil liability for willful noncompliance 15 u.s.c 16810 Civil liability for negligent noncompliance and 15 u.s.c 1692k 15 U.S.C 1681 states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; states a consumer reporting agency can not furnish account without my written instructions. 
FRCA Section 611 requires XXXX to establish and follow reasonable procedures to ensure the accuracy of consumer information. If TRANSUNION " verified '' As they claim, then why does XXXX report for XXXX XXXX show that I have all on time payments? Why does my TransUnion report shows a balance if its charged off? Why does date of last payment for TransUnion shows XX/XX/XXXX, not showing an account for XXXX and date of last payment for XXXX is XX/XX/XXXX? DATE OPENED FOR TRANSUNION XXXX BUT XX/XX/XXXX FOR XXXX HOW CAN THAT BE IF IT WAS VERIFIED? 
For XXXX XXXXXXXX account TRANSUNION shows that the date of last payment is XX/XX/XXXX but how can that be if the calendar shows date of last payment is XX/XX/XXXX for XXXX? and not reporting for XXXX. Who verified these accounts? HOW WERE THEY VERIFIED? Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I NEVER gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, no consent is IDENTITY THEFT. 
TRANSUNION stated via the cfpb that they sent me a copy of something in the mail on XX/XX/XXXX but as of XX/XX/XXXX TransUnion has not provided me with a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) - A consumer contract with my signature on it. And under Section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly DELETE all information which can not be verified. If you believe you sent me any documents, please provide me with a receipt bearing my signature proving that I received the documents.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent, noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing Litigation in this matter to enforce my rights under FRCA.

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term Credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. They should all be removed from My consumer report. 
pursuant to 15 usc 1681a ( 2 ) ( B ). An alleged debt being furnished on your " credit '' report Is a violation of 15 usc 1692b ( 2 ) it is also advertising to coerce payment. Which is illegal. 
I AM SEEKING {$5000.00} PER VIOLATION : 1. DEFAMTION 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX. VIOLATIONS OF FAIR CREDIT REPORTING ACT 4. FINANCIAL INJURY 5. PENALTY OF PERJURY 6. VIOLATIONS OF 15 U.S.C 1692G 7. 15 U.S.C 1692A ABUSIVE PRACTICES 8. 15 U.S.C 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS 9. 15 U.S.C 1681 4A B2 MISLEADING FALSE REPORTING I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATIONS BELOW : XXXX XXXX XXXX XXXX OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEY GENERAL 'S XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX COMPTROLLER OF THE CURRENCY FEDERAL RESERVE XXXX FEDERAL TRADE COMMISSION XXXX REGULATORY AGENCY

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