Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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

Complaint:
NOTICE OF DEFAULT AND OPPORTUNITY TO CURE : TransUnion has not now nor have you ever had any firsthand knowledge of any matters including my personal, private, non public transactions between myself & any companies or corporations that I've done any business with as a consumer. You are hereby in violation of federal law and this serves as notice and acceptance of my original demands sent to your company via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and received and accepted by TransUnion LLC on XX/XX/2023. ( see attached ) Certified Domestic Return Receipt. It included a notarized Affidavit of Truth, Notice of Dispute, Police Report and itemized list of all entries to be removed from my consumer report as you have no authority to report or furnish such information and are doing so by means of identity theft and fraud. In your letter dated XX/XX/2023 you state my request is missing essential personal identifying information or account specific information that would allow you to complete my request. This is not so, my notarized affidavit stands as truth in commerce bearing my signature completed in front of a notary and includes their stamp as witness. By law, no additional documentation is required. You also state that you can not accept my documentation, however you accepted my offer on XX/XX/2023 as included and have not returned any of my documentation. That is acceptance. In law, you shall respond to an affidavit line by line in the same manner and have it notarized by someone within your company with authorization to do so. To date, Transunion has not responded. You are in default. An unrebutted affidavit stands as truth in commerce. Transunion does not have a right, proof of authority, or my consent to furnish anything that is a detriment to my reputation, well being or quality of life. Continuing to actively furnish/report the below will be a direct violation of my consumer rights and is punishable by law. I am submitting this Notice on my own behalf, it shall not be deemed frivolous or a mistake. You have failed to fulfill your obligations under law and no valid response was received. As my original Notice stated, delete, permanently block and remove the following items within XXXX business days : ITEM XXXX : XXXX XXXX XXXX XXXX ITEM XXXX : XXXX XXXX XXXXXXXX ITEM XXXX : XXXX XXXX  XXXX ITEM XXXX : XXXX XXXX XXXX ITEM XXXX : XXXX XXXXXXXX ITEM XXXX : XXXX XXXX ITEM XXXX : XXXX XXXX ITEM XXXX : XXXX XXXX ITEM XXXX : XXXX XXXX XXXX A few important maxims of law state : Wrong is wiped out by reconciliation.

One is not present unless he understands.

No one is bound to give information he is ignorant of, but everyone is bound to know that which he gives information about.

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