Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received 3 consumer reports from TransUnion LLC dated XX/XX/XXXX, XX/XX/XXXX XXXX and TransUnion LLC is STILL reporting my middle name wrong. I filed a complaint with the CFPB on XX/XX/XXXX complaint # XXXX regarding mis information. Its now XX/XX/XXXX and its still inaccurate. 

1. TransUnion LLC have not corrected my middle name on my consumer report.

Why? when I told them to correct this already.

TransUnion LLC do not have authority over my personal information. I the Consumer do and I know how to spell my own name. TransUnion LLC clearly do not care to spell my own name correctly at all. Yet on the consumer report they lied and stated they are a " trusted leader in the consumer credit information '' yet they are inaccurately reporting my credit information to my detriment. I can not get approved for credit based on their false and inaccurate reporting. Their represenatives are giving false and misleading information as well and are very unprofessional refusing to delete inaccurate information.

TransUnion LLC can not come back with a " verified '' response when they DO NOT have my written consent on file to report my information via their own Privacy policy.

Where is my written consent?

And 15 USC 1681.3 -Congressional finding and statement of purpose states 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 consumer 's right to privacy. 
TransUnion LLC stated on my consumer report that they " take the accuracy of your credit information very seriously ''. Yet they have been reporting my middle name wrong since XXXX. How is that " very seriously ''? It is now XXXX and my middle name still wrong. 
On my consumer report they state " We are committed to providing the complete and reliable credit information that you need to participate in everyday transactions and purchases '' Yet I filed a complaint XXXX XX/XX/XXXX to the CFPB regarding my middle name and its still not corrected. So how are they " committed ''? 

2. Why is TransUnion LLC is STILL reporting XXXX XXXX XXXX XXXX and XXXX XXXX has a charge off when I have already informed them to UPDATE AS PAID. I reported both accounts to the IRS with a 1099C form. This violates the Privacy Act of 1974 and 16 CFR 313 Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act.

My student loans are paid off as well. Updated my information to reflect that. 

XXXX. TransUnion LLC kept updating old information that was pass the 7 year mark for several years. Purposely defaming my character keeping me from getting approved for credit cards, apartment rentals or a home loans this day. Is that the " committed '' TransUnion LLC referring to? 

4. Transunion is sharing my non public personal information with 3rd party agencies like XXXX XXXX, XXXX and many others without my consent. 

TransUnion LLC CLEARLY do not care about my consumer information being accurately reported since they have failed to this day to report my Consumer Information correctly. They are only changing my consumer information because I am reporting them to the CFPB. So they are stating blatant lies on my consumer report by stating " TransUnion takes the accuracy of your credit information very seriously '', they have been knowingly and willingly reporting inaccurate credit information since XXXX and also updating old information purposely keeping my credit score low.

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