Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6204321

Complaint Overview

Complaint ID: 6204321

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Was not notified of investigation status or results

State: Illinois

ZIP Code: 622XX

Date Received: 2022-11-14T12:00:00-05:00

Date Sent to Company: 2022-11-14T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Transunion is improperly reporting an alleged Public Record that's non compliant with Metro2 Reporting requisite per the XXXX as well as the FCRA that damaging my report. Transunion is reporting information that I did not authorized with my 'WET INK ' signature for them to be reporting nor was a court order given. According to the FCRA and 15 USC 1681b it states and I quote " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. None of this have occurred. Transunion is also stating that the complaint was initiated and verified with the XXXX XXXX XXXX XXXX Illinois, according to the XXXX XXXX XXXX Illinois they do not report or give any information to any credit agencies. XXXX stated that they also do not report or give any information to any agencies. ( Please see the attached emails ) Rather certain companies have access to the records which I still did not authorized anyone to " REPORT '' on my behalf nor did I give any written permission. I also over stand were Transunion stores information in their records which I still did not authorize according to 15 USC 1681b. Transunion stated that when information is disputed, they are required to investigate and record the current status of the information and that they do not provide documentation verifying bankruptcies or dispute verification responses received from court records as they are public records. According to the FCRA and 15 USC 1681i ( 6 ) ( B ) ( iii ) states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. So I am requesting that you verify that the public record is reporting completely and accurately. Please verify and provide the method of verification of the the complete and full court name is reporting, the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition dates, file date, paid date, settle date and person ( s ) meaning a natural and live human of whom was talked to. If you are unable to identify any of the information requested remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit report. I am also requesting an audit of my file, including all communication made to any third parties and anything that has my name on is Please note according to 15 USC 1681d ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. I continue to ask for the results of this investigation and also everything in my file. I keep getting told that things have been verified I am asking to see what method of verification was used and to see the back and forth communication of how this was verified. I'm also needing validation. Note I am the ONLY one who can validate anything with my WET INK autograph Everything I have said and stated here is MY TRUTH UCC1-308 Please see XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XX/XX/2017 )

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