Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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: Investigation took more than 30 days

Complaint:
I Am an XXXX  XXXX  XXXX XXXX. A natural man holding complete control over the trade name XXXX XXXX XXXX XXXX by Power of Attorney, Copyright, Fee Schedule, Security Agreement, and Hold Harmless and XXXX XXXX. I Am beneficiary of the individual constructive trust that the individual Social Security Number XXXX references. I have first position regarding all financial assets, Certificates of Registered Form Birth Certificate Document # XXXX, Registered Form # XXXX through private offset account. I Am Secured Party Creditor and holder in due course. ( Entitlement Holder ). I have deposited a Non-Negotiable Private Registered Bond for Set-off, MASTER DISCHARGING INMDEMNITY BOND RE XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX  {>= $1,000,000} with the U.S. Department of the Treasury in the care of XXXX XXXX, XXXX of the Treasury. We were driven from our ANCESTRAL HOMELAND in the BATTLE OF XXXX XXXX CLIFFS in XXXX in WHAT ARE NOW called the U.S. states of GA, TN, NC XXXX SC and AL XXXX I Am Tribal Minister and Ambassador for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and 90 other entities. *SEE UCC FINANCING STATEMENT XXXX, XXXX filed with Maine Secretary of State . 
************* NOTICE TO AGENT IS NOTICE TO PRINCIPAL. ************* I AM AWARE that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific Information that they have provided. THIS IS ILLEGAL, as EACH DISPUTE AND CHALLENGE MUST BE ADDRESSED INDIVIDUALLY and ON ITS OWN MERITS. MY LETTERS WERE CREATED USING SOFTWARE that is available to everyone. IF YOU DON'T PROCESS MY LETTERS, YOU ARE VIOLATING 611 PROCEDURE IN CASE OF DISPUTED ACCURACY [ 15 USC 1681i ] of the FAIR CREDIT REPORTING ACT ( FCRA ) which states ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED-I Am a victim of the so called XXXX XXXX Data XXXX XXXX I Am an XXXX XXXX XXXXXXXX XXXX XXXX person who has been victimized not only by the 3 major credit reporting agencies Trans Union, XXXX, and XXXX through their UNAUTHORIZED and UNAPPROVED collection, storage, and selling of my personal information, but also by the criminals in the underworld who obtained my data through the XXXX XXXX data breach. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my personal consumer reports, and received only one response from Trans Union which stated that they were not going to process my complaints because it didn't appear that the documents came from me. I informed them that this is exactly the kind of unlawful behavior that the FCRA was established to prevent. I'm deeply depressed and suicidal dealing with years of negative and erroneous items in my credit files and having to fight these companies that make billions of dollars by reporting inaccurate accounts. I'm also writing to the Attorney General of Maine and the BBB, as I have no faith in the CFPB. I've complained about these companies many times before, but they only give some form reply and the CFPB disappears. It's ridiculous. I sent letters Certified to all XXXX CRA 's on XX/XX/XXXX, and received a reply from only Trans Union on XX/XX/XXXX stating they didn't believe I sent them the letter, so they were doing nothing for me. I sent another round of Certified green card return receipt mail out on XX/XX/XXXX and received 2 of the same form letters from Trans Union dated XX/XX/XXXX stating that " we applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path towar credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they comwe directly from you or an authized third party. '' That's completely unacceptable. I have purchased software to assist me in the process, but the credit reporting agencies are using software that automatically scans the letters I send and instantly send out these generic form letters. How can they possibly send me a letter stating that my letter with my address, a copy of my Social Security Card, a copy of my light bill, and a copy of my ID not APPEAR to be coming from me? THESE COMPANIES DON'T KNOW ME PERSONALLY! I am spending enormous amounts of time and effort corresponding with these companies. They are blatantly and willfully not complying with federal law. There's no law that says a consumer reporting agency can require power of attorney or authorization before they will process requests from consumers.

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