Consumer complaint received 2023-12-21 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: TX

Complaint narrative:
TRANSUNION LLC in violation of 15USC 1681 ( 2 ) ( A ) and will face legal consequences if right action is not taken on my consumer report. I obtained a copy of my consumer report and noticed some accounts furnished that are not supposed to be there, nor was I notified in writing 5 days prior to such inaccurate data being furnished on my report. According to 15USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report Under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer whom it relates. I never gave written authorization to you or the following person ( s ) to furnish any nonpublic personal information on my consumer report THIS DATA LISTED MUST BE REMOVED FROM MY REPORT. The results of your investigation into this data I disputed came back as accurate ; but you provide no substance to the validation of this debt on my report. Both person ( s ) who furnished information on my report have no written authorization from me to verify my responsibility to this debt furnished. I am demanding an update to delete these inaccurate accounts your Credit Reporting Agency allowed these person ( s ) to furnish on my Consumer Report without any written authorization. Please remove the following inaccurate accounts furnished on my TransUnion Consumer Report. These person ( s ) failed to provide me with all three of my privacy disclosures before the reporting of such information on my consumer report to respect my privacy which violates 15 USC 6802 ( B ) - OPT OUT ( 1 ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. In addition to the violation above 15USC 1681a ( 5 ) ; ( 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 information is found to be inaccurate, 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 and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The person ( s ) involved in this matter violated 15USC 1681a ( 2 ) ( a ) ( i ) 15USC 1681 ( b ) and USC 6802 Section ( b ) along with 18USC 1028 ( A ) and 15USC 1692 ( c ) c which demands the accounts listed be deleted from all third parties or credit reporting agencies due to being a result of IDENTITY THEFT. These person ( s ) furnished transactions ( payment history ) and experiences to these inaccurate accounts furnished on my report in which, the FCRA states this data is EXCLUDED from my report according to 15USC 1681a ( 2 ) ( a ) ( i ) ; Exclusions from a consumer report ; My payment history or transactions to any person are EXCLUDED from my consumer reports- ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include all transactions or experiences between I ( the consumer ) and the company reporting. This violation of 15USC 1681a ( 2 ) ( a ) ( i ) alone, justifies the deletion of these inaccurate accounts furnished on my report because LAW states transactions or experiences to any person are excluded from my report.

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