Consumer complaint received 2024-02-12 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: DC

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX Dear TransUnion & XXXX XXXX This letter is meant to serve as a formal dispute submission concerning the credit report of XXXX of my esteemed clients, XXXX XXXX ( credit report File Number : XXXX being managed by TransUnion. At XXXX XXXX XXXXXXXX XXXX XXXX, we dedicate ourselves to protecting consumer rights and assisting in resolving credit-related disputes in accordance with relevant laws governing financial transactions. We kindly request you to review XXXX XXXX 's concerns promptly so justice may be served in adherence with statutes like the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) Regulations that oversee such matters. 

We are filing this dispute with respect to XXXX primary issues that have negatively impacted XXXX XXXX 's credit report as per her TransUnion account. The first point of contention refers to numerous Account Review Inquiries initiated by car dealerships without her explicit consent, which not only breaches XXXX 's privacy but also results in inaccurate portrayal of her creditworthiness. FCRA and CFPB norms explicitly prohibit sharing consumer data for marketing or promotional purposes unless approved through documented agreements with consumers like XXXX. Enclosed herein, you will find insufficient bank records and correspondence evidence showcasing a lack of interactions between my client and these respective car dealerships regarding any agreement regarding these inquiries. 


Furthermore, we wish to draw your attention to XXXX 's longstanding dissatisfaction and unaddressed disputes related to XXXX XXXX. As per FCRA guidelines, a credit bureau or debt collector has an obligation to investigate any contested information within XXXX days from receiving such requests and respond accordingly with valid findings or updates made over XXXX days ago regarding inaccurate negative listings about XXXX 's account by this party, no suitable resolution or communication has been received which warrants serious consideration given its direct violations of legal statutes regulating responsible financial practices. 

The unauthorized Account Review Inquiries by these car dealerships constitute a blatant disregard for XXXX 's privacy rights, which are well-protected under the provisions stipulated in the Fair Credit Reporting Act ( FCRA ). This has led to containing error information being added to her TransUnion report, impacting her credibility unfavorably. This statement suggest that their actions conflict with legalities surrounding consumer protection and invites necessary intervention from TransUnion in adherence with FCRA. 

We request that you address these discrepancies forthwith by removing any unauthorized Account Review Inquiries made by car dealerships and resolving our client 's dispute with XXXX XXXX  as per FCRA stipulations. Such swift action on your part will help maintain accuracy in XXXX XXXX 's credit report while restoring her confidence in TransUnion as a reliable credit bureau. The unauthorized Account Review Inquiries by these car dealerships have brazenly invaded XXXX 's right to financial privacy as specified in U.S. Federal Regulations including the Fair Information Practices ( FIP ) and the Gramm-Leach-Bliley Act ( GLBA ). Such infringement undeniably breaches her trust in TransUnion 's ability to ensure secure handling of her sensitive data. This statement highlights her violated privacy rights under federal mandates that promote transparency, security, and control over private information related to credit reporting. 

In light of these unauthorized Account Review Inquiries initiated by certain car dealerships, we wish to draw your attention to FCRA section 1681e ( a ), which mandates that third-party credit reporting agencies have no god given right to obtain any personal information or review sensitive consumer information without their specific consent. Furthermore, under Gramm-Leach-Bliley Act ( GLBA ) and related state laws regulating trade secrets and commercial activity, any illicit access or handling of private data without due authorization may result in severe civil fines or penal consequences for the offenders. This segment stresses on her violated rights backed by federal provisions while warning such entities about possible legal repercussions should similar invasive activities persist. 

I am going to list her credit report see attached : I am highlighting the Account Review Inquiries in YELLOW so you can see the disputed items I am also going to list her previous complaints from ( CFPB ) Consumer Financial Protection Bureau CFPB Number XXXX, XXXX I am also going to list her ( FTC ) Federal Trade Commission : FTC XXXX XXXX Here XXXX the list of Account Review Inquiries that needs to be removed : XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XX/XX/XXXX XXXX are the total of XXXX Account Review Inquiries that needs to be DELETED AND REMOVED PER FCRA Sincerely, Consumer : XXXX XXXX Lawyer : 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 explanation