Consumer complaint received 2024-03-03 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: NV

Complaint narrative:
I just received my investigation results. Report Number XXXX, I see that some accounts were verified. However, I have a few questions. How did you complete your investigation? Did you talk to my neighbors, friends or family? If so, please inform me of the person who completed the investigation. Also, i was reading the FCRA and noticed that you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( e ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681 Section 604 ( A ) ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

I, XXXX XXXX, consumer and natural person, am aware of all of the rights I have, and which are protected by congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : U S DEPT OF EDXXXX Account # XXXX Account Name : U S DEPT OF EDUCATIONXXXX Account # XXXX  XXXX Account Name : U S DEPT. OF EDUCATIONXXXX Account # XXXX  XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX  XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX 15 USC 1681 Section 602 A.

states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I want {$1000.00} per violation.

Delete these accounts immidiately, unless you want to be held liable {$1000.00} per violation.

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