Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7143990

Complaint Overview

Complaint ID: 7143990

Company: Transunion Intermediate Holdings, INC.

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

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Florida

ZIP Code: 33313

Date Received: 2023-06-20T12:00:00-05:00

Date Sent to Company: 2023-06-20T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Pursuant to 15 USC 1681 a ( 1 ) The Banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report, I realize that my report is in accurate in this inaccurate report is unfair to me, because I was never notified where the inaccurate information was furnished, and I was never notified during the companys investigation that they were going to report the information. Pursuant to 15 USC 1681 a ( 1 ) This grave in accuracy has undermined my confidence in this companys procedures, and as a result of this, I am thinking about no longer extending credit, and if the information is not removed, I no longer want my information reported in this companys database. Pursuant to 15 USC 1681 a ( 2 ) Trans Union is a powerless, elaborate mechanism this mishap that Trans Union has caused has ruined my reputation in adversely affected my credit worthiness. Pursuant to 15 USC 1681 a ( 3 ) Trans Union assumed this role they were not given expressed permission by me, the consumer or a competent court of jurisdiction so not only did TransUnion fail in the initial investigation. They also assume this role and assume this information was valid, which is a violation of my consumer rights. Pursuant to 15 USC 1681 a ( 4 ) Trans Union did not ensure that this information was accurate and Trans Union did not exercise their grave responsibility with fairness and impartiality. Trans Union took one side of the story and never consulted with me to find out if this transaction even took place as a result of this, my privacy was breached and is violated my rights to privacy. Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that Trans Union is reporting and failed to investigate whether or not if actually took place can be categorized as a transaction that took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact, is a violation of my consumer rights. Pursuant to 15 USC 1681 a ( d ) 2 A ( iii ) And Trans Union initial investigation. I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. Pursuant to 15 USC 1681 a B Any authorization of a specific extension of a credit card or similar device should be excluded from my consumer report this alleged transaction that Trans Union clearly did not investigate. It is categorized as a transaction that was issued from a credit card.

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