Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I XXXX XXXX wrote a letter to XXXX XXXX XXXX dba CFO TransUnion on XX/XX/XXXX addressing violations that appeared on my consumer report pursuant to 15 USC 1681b, USC 1681a, 15USC 6801, 15 USC 6802, ( GLBA ), 15 USC 894 and Privacy Act of 1974. I received an stall tactic notice from TransUnion on XX/XX/XXXX file # : XXXX saying it didnt appear to be me that sent the notice which I dont understand how TransUnion came to that conclusion when I sent them all the acceptable documentation that they ask for on their website, I then resent the information again, along with supporting documentation about the account below and wrote a statement to TransUnion letting them know I no longer wanted them to reinvestigate I wanted them to immediately delete this account for violating my consumer rights by denying me of a proper reinvestigation, I received another notice from TransUnion on XXXX file # : XXXX about how they do their investigation procedure, in the letter I wrote to TransUnion I never asked to be provided with anything about their investigation procedure, furthermore, had nothing to do with what I asked of them in my letter. That further let me know that TransUnion does not do proper investigation procedures. They sent me a computer-generated answer, my letter was addressed to the CFO of TransUnion XXXX XXXX XXXX not a computer. I also advised them that I was aware that they are a for profit company, which is regulated by law, not the government, and getting paid to collect and store my personal information. Section 502 ( c ) of the GLBA strictly limits the reuse of information that they are in clear violation of, without my consent. I clearly did not complete a Social Security Administration Form 3288, which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I addressed an account that was reporting on my consumer report. 
NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX I addressed the fact that XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX placed this account on my consumer report on XX/XX/XXXX before sending me the dunning notice, which is a direct violation of the FDCPA, 15 USC 1692g and 15 USC 1692e false and misleading furnishing to the credit reporting agencies. I did not receive a notice from XXXX XXXX XXXX until XX/XX/XXXX, which I will attach to show proof of the date they mailed it to me, and I will attach a copy of my consumer report to show when the account was furnished on my report. After finally receiving a notice due to me writing them and letting know I never receive one on this account, of them claiming I owe them XXXX, I have repeatedly asked for documentation proof of claim, that I owe this alleged debt to this company, what do I owe XXXXXXXX XXXX money for I dont remember XXXXXXXX XXXX ever giving me XXXX.I need proof of claim, full unaltered original purchase agreement signed and notarize by original creditor someone with personal knowledge, rules of evidence 602, XXXXXXXX XXXX XXXX XXXX XXXX XXXX lack personal knowledge of this account, a signed contract with both mine and XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  signature . 
I mailed TransUnion Solutions letters and certified receipts proving how many times I have reached out to this company still have not received any of the documents I asked for. I have given TransUnion plenty of opportunity to fix this matter and they continue to report this account on my consumer report for their own profit and unjust enrichments, extortion, and racketeering profiting from inaccuracies on consumer reports. It is your duty to ensure my consumer report is 100 % accurate and complete and you have failed to follow the applicable laws and regulations. You are reporting unvalidated/unverified information on my consumer report. If this account does not get deleted, I will exercise my consumer rights pursuant to FCRA 15 USC 1681n civil liability. Defamation of character, punitive damages, and willful noncompliance. I will attach the letters TransUnion mailed me and the dunning notice with the date XXXX XXXX XXXX mailed me, along with the two letters I mailed to TransUnion and a copy of my credit report to show proof of the date the account was furnished before I received the dunning notice from this company, please refer back to the documents I mailed to you on XX/XX/XXXX How many times I reached out to this company asking them for proof of claim that I owe this money to them and of me agreeing to pay them this money.

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