Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB COMPLAINT REGARDING TRANSUNION I. Introduction This notice concerns TransUnion and their violations of my rights under federal law, which have caused significant financial and emotional harm. I am formally addressing these violations through this complaint and requesting that TransUnion take the opportunity to cure its harmful actions. 
II. Background of the Federal Claim and Harm I am currently involved in a {$250000.00} federal claim against XXXX XXXX for the harm caused by the unjust closure of two of my credit card accounts, both of which had a 100 % payment history and no outstanding debt. XXXX XXXX has admitted to closing these accounts based on " business concerns '' but has failed to provide clear justification or evidence of any breach of agreement ( see XXXX XXXX  ). This unauthorized closure has triggered further financial damage, including denied credit applications and a significant drop in my credit score ( see XXXX  XXXX  ). 
III. Failure to Investigate Disputes and Lack of Consent Between XX/XX/XXXX and XX/XX/year>, XXXX  XXXX submitted multiple unauthorized disputes ( XXXX in total ) ( See, XXXX XXXX XXXX on my accounts ending in XXXX and XXXX. TransUnion added and closed these disputes on the same day, some in as little as 15 minutes, without conducting a proper investigation, in violation of 15 U.S.C. 1681i ( FCRA 's dispute investigation requirements ). At no point did I authorize TransUnion to report or manage disputes on my accounts, violating FCRA 1681b ( permissible purpose and consent ). 
IV. Request for Documentation and Opportunity to Cure I am formally requesting that TransUnion provide the following documentation related to my accounts and XXXX  XXXX : All internal communications, electronic stored information, notes, memos, and correspondence between TransUnion and XXXX XXXX concerning my accounts. 
Any and all records of disputes, inquiries, or reports made by TransUnion on my behalf without my authorization. 
Any contracts or documents showing that I gave consent for TransUnion to report negative information. 
A statement under penalty of perjury that TransUnion is not selling or unjustly enriching itself through the trade of my personal information, along with the steps taken to protect my sensitive informatio

n in compliance with 15 U.S.C. 6801-6809 ( Gramm-Leach-Bliley Act ). I am providing you with an opportunity to cure this situation by producing the above documents and fully rectifying the harm caused. This opportunity to cure is an act of good
faith, and if you comply within 10 business days, I will refrain from pursuing a federal claim against TransUnion. Should you fail to resolve this matter promptly, I will be forced to take legal action, holding TransUnion fully accountable for the financial, emotional, and personal harm caused, beyond the XXXX XXXX matter. 
V. Request for Relief Given the ongoing harm caused by these violations, I am requesting compensation of {$20000.00} for the damage incurred. This includes the financial impact of denied credit applications, emotional distress, the continued negative influence on my credit score ( See, XXXX XXXX XXXX XXXX XXXX drop ), and any additional violations I have not yet detailed. 
VI. Ongoing Harm and Ripple Effect The unauthorized closure of my XXXX  XXXX accounts continues to have a ripple effect, including multiple credit denials ( See, XXXX XXXX  ) despite my credit score being near XXXX. These accounts represented my longest credit history, and their closure has severely damaged my creditworthiness. To make matters worse, between XX/XX/XXXX and XX/XX/year>, XXXX XXXX added two new hard inquiries to my TransUnion report for loan applications I did not authorize ( See, XXXX  XXXX ). This has exacerbated the financial harm caused, and I have had to invest time and energy addressing issues I did not create. 
The continued mishandling of my credit report by TransUnion is unacceptable. I formally request that TransUnion take this opportunity to cure the situation, as outlined in this notice, before I proceed with legal action. This is your chance to act in good faith, resolve these issues, and avoid further accountability. 
Note : XXXX XXXX Remove of Hard inquiry with no consent. ( Continuous harm that you have been allowing ) Note : Attached PDF. has Notice and all Exhibits Respectfully submitted, XXXX XXXX.

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