Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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

Complaint:
I contacted Transunion On XX/XX/2021 in reference to these concerns and still never received a response. 

I recently accessed my consumer report and I concluded that the accounts, transactions, experiences and inquiries listed below are in direct violation of The Fair Credit Reporting Act 15 USC 1681 and numerous other violations and inaccuracies : The only name that I go legally use is XXXX XXXX XXXX. Please delete and remove XXXX XXXX, XXXX XXXX, and XXXX XXXX as these names or not my name. 

My deliverable mailing address is XXXX XXXX XXXX, XXXX, TX. Please delete and remove XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX, XXXX, TX XXXX as I have never lived at either of these addresses nor are deliverable address that I receive mail at. 

Account Name Account Number Dates XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Under 15 USC 1681b XXXX 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 to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Transunion is in clear violation of the law, under 15 U.S. Code 1681e - Compliance and Procedures as I have noticed that there are charge off accounts posted on my consumer report and the reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. They have purchased an alleged debt without me being involved in the transaction. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX have created a duplicate account. I am a natural person. Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation XXXX XXXX XXXX XXXX  and XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a XXXXWhich in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX The reporting of these accounts are also violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

XXXX  XXXX, XXXX. XXXX Requiring payment in gold/coin/currency against public policy and shall be discharged, HJR 192 eliminates ability to pay debts and allow discharge, 31 USC 3123 Ovt obligated XXXX

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