Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently our home was hit head on by an F-5 Tornado. FEMA and our landlord required us to move ASAP due damages. And health risk. We are currently homeless without clothing or basic needs items. In the process we lost our vehicle because we wasnt able to secure a payment. 

Im requested that every creditor that is listed on my credit report thats delinquent or paid as agreed please place lenders special disaster code, Affected by Natural Disaster provided for us victims after recent natural disasters. The credit industry and government sent out this information to thousands of data furnishers on ways to protect victims, reminding them that using a special disaster code when reporting credit data is should be used. 

The following guidelines for accounts affected by natural or declared disasters : For open accounts current accounts or delinquent accounts, there are two options : 1. Report the account status that applies to the account and the special comment code XXXX ( affected by natural or declared disaster ) XXXX. Report the account as a deferred account, while also using the special comment code XXXX ( affected by natural or declared disaster ) For derogatory accounts, including collections and charge- offs : Continue these accounts using these statuses but add the special comment code XXXX ( Affected by natural disaster or declared disaster ). 

As a result of the tornados Im in the process of clearing up my credit history and is attempting to pay off at a lower rate and reduced repayment but as anyone it will be months if not a year before we will be able to fully play off items. The items must be accurate and placed as positive accounts once we make an agreement by both creditor and debtor signing or acknowledging by email. Its must state for exchange for settlement agreement account will be made back to normal paid as agreed and financing start over. If the creditors chose to do the above they wouldnt be required to do an investigation. They would only have to forward a email within 24 hours agreeing that they are going to do the disaster assistance. 

Until this is accomplished here is the request for investigation or deletion of account. This is for XXXX, Transunion, XXXX, XXXX and listed creditors. 

This is an action arising under Sections 5 ( a ), 5 ( m ) ( 1 ) ( A ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p and will soon be used to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.

Our notice will also be forwarded to the Arkansas Attorney General and the Federal Trade Commission. As you are aware, The Commission is an independent agency of the United States government given statutory authority and responsibility by the FTC Act, as amended, 15 U.S.C. 41-58. The Commission is charged, inter alia, with enforcing Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; the FCRA, 15 U.S.C. 1681-1681x, which imposes duties upon consumer reporting agencies and those who furnish information to a consumer reporting agency ( CRA ) or use information obtained from a CRA ; and the FDCPA, 15 U.S.C. 1692-1692p, which imposes duties upon debt collectors.

I will be discussing my complaint as a whole and it will include everything in my consumer credit report that needs to be addressed as a matter of the laws above. My complaint will appear similar to a federal civil action due to my 23 years as a federal agent with the United States government. Therefore everyone listed should easily be able to find my complaint about their reporting etc. 

TRANSUNION AS LISTED ON MY DRIVERS LICENSE AND IDENTITY FORMS MY ADDRESS IS XXXX XXXX XXXX XXXX, ARKANSAS XXXX PLEASE DELETE XXXX XXXX XXXX XXXX  XXXX, AR XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. - NOT MY ADDRESS XXXXXXXX XXXX XXXX  XXXX, AR XXXX - MISSPELLED ADDRESS EMPLOYER UNITED STATES GOVERNMENT UNITED STATES SPECIAL AGENT SINCE XXXX DELETE OFFICE OF PERSONEL MANAGEMENT Date Updated : XX/XX/XXXX XXXX OFFICE PERSONNEL Date Updated : XX/XX/XXXX CUSTOMER STATEMENT : NONE REPORTED Installment Accounts : XXXX Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
This account is incorrectly reporting that I have 11 late payments. On my XXXX report there are 2 late payments being reported. Please explain the difference in the accounts. I spoke before and requested for account to be closed but instead they let the account get delinquent. 




XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$8900.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 



XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3600.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 



XXXX  Partially secured with account # XXXX opened on XX/XX/XXXX and a balance of {$320.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 



XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of XXXX XXXX is incorrect because the balance due on this account is {$0.00}. 



Collection account from XXXX XXXX with account # XXXX and a balance of {$1600.00}. The original creditor is 60 DAY CREDIT REPAIR. The contract with this debt collector didnt mention that they would fake sending investigations request to my creditors. I did all the work because I did my own disputing and only let this agency fake like they was doing something. Please supply me with proof that your did your job as my credit repair agency.. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Im requesting for the account to be listed as being affected by a disaster. The Consumer Financial Protection Bureau ( Bureau ) encourages its supervised entities1 to work with consumers who may be at financial risk due to the major disasters caused by disasters. These events will cause financial strain on consumers and communities. By providing flexibility and other assistance to consumers in communities under such stress, supervised entities can lessen negative impacts and hasten recovery. These efforts may also build goodwill and provide other benefits to the institutions undertaking them. When communities thrive, so do the financial institutions that serve them. Im Offering penalty-free forbearance or repayment periods with clearly disclosed terms ; Limiting or waiving fees and charges, including overdraft fees, ATM fees, or late fees ; Restructuring existing debt by, for example, extending repayment terms with clearly disclosed terms ; Refinancing existing debt or extending new credit with terms favorable to the consumer. Terms could, for example, reduce costs, limit payment amounts, or offer consumers other flexibility ; Easing documentation or credit-extension requirements ;

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