Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
We MUST end the Credit Bureau industry as a for profit * I will ; be emailing this out to as many Candidates as I can locate and I will be re-sending this information daily until politicians get rid of the credit bureau industrys Domestic XXXX. 

The purpose of this complaint is three fold : 1. To update my continued complaint and provide an Authentic step by step historical display how TransUnion continues to break the law, which will be helpful with my imminent lawsuit. 
2. To provide the public and Congress and other law firms a true account of the defiance TransUnion, XXXX and XXXX has towards the American Judicial system and Congress. 
XXXX. To provide and document the chronological history, which will help assist in my imminent civil litigation To the candidates who have a tough fight for Re-Election in XX/XX/XXXX. Voice your disgust with the credit bureau industry, come up with a viable plan to end this type of domestic terrorism. You will gain votes as nearly everyone of your voters would support ending the Credit bureau industry as it is, just ask them yourselves. Further, it could separate you from other opponents. 

Reason # 1 From a reliable source : XXXX may have been responsible for the XXXX hack, if this is true. They can identify employees in every govt and corporate industry who may be vulnerable to blackmail or bribes. We must end the for profit Credit Bureau industry and place it in the hands of our Government to allow them to protect this highly valuable personal information from XXXX and Countries who would use it to infiltrate our most classified information. 

Reason # 2 The Credit Bureaus are in defiance of the American government. They pay little, if any attention to laws or policies. Look what I am going through with TransUnion, XXXX and XXXX. 

TransUnion has violated and ignored so many laws and requirements I truly do not know where to start. As a result, it seems I am forced to do what Congress should be doing. 
I have just created my efile account with the Circuit Court in my County and will be filing a civil complaint for {$200000.00}, see attachment. I will be amending the complaint over the next few months requesting Class Action Certification and unlike these law firms who are simply looking to a quick buck ; There will be no Settlement! In an effort to protect family members, friends, relatives and all potential victims, I want full discovery to expose the egregious and criminal policies the Credit Bureaus practice and a trail by my peers to decide their fate. 

The responsible-corporate-officer doctrine provides that a defendant may be guilty if he or she had, by reason of his [ or her ] position in the corporation, responsibility and authority either to prevent in the first instance, or promptly to correct, the alleged violations of law. United States v. XXXX, XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ). Notably, the law does not require a corporate officer to be aware of wrongdoing within the company. Instead, the officer is culpable simply because he or she had the authority either to prevent or to remedy the criminal violation 1st draft of my Civil complaint currently claims the following : Breach of Contract Violation of the FCRA Personal injury charge, Fraud and criminal claims against the CEO XXXX XXXX TransUnion Continues to deceive consumers who buy memberships. I have a TransUnion Membership and although TransUnion claims the information I am paying for is the most up to date, I can assure you and emphatically prove it is not. 
TransUnion recently settled with the CFPB and paid a XXXX XXXX fine for deceiving consumers who pay for their credit scores. Yet they continue to provide inaccurate credit scores, therefore TransUnion is in breach of that agreement. 
TransUnion is currently facing several Class actions all claiming violations of the FCRA. In each class action claim TransUnion has failed to improve the manner of how they investigate consumer claims and has failed to implement steps to assure more accurate reporting of consumer information. These steps were requirements in every case TransUnion settled. 
Just look at the recent class actions settled in the last few months : XXXX XXXX fine for XXXX and wrongly tagging people as XXXX XXXX XXXX fine for deceiving consumers about the usefulness and cost of credit scores they bought. 
XXXX XXXX violating the Fair Credit Reporting Act and various state laws by failing to take reasonable steps to ensure accuracy in reporting debts discharged in bankruptcy. 

*There are literally over a dozen new lawsuits filed in XX/XX/XXXX and many more being prepared to file for XX/XX/XXXX. The Credit Bureaus by far are the top 5 complaints by consumers and regardless of how many lawsuits or what the requirements are, transUnion, XXXX and XXXX deliberately continue the same or similar policies The practice of Credit Bureaus operating in the private sector as a for profit industry MUST end. The gathering of personal credit information is a national security issue, breaches of this information is an imminent threat that jeopardizes the security of America. 

The Credit Bureau industry as a for profit Business MUST end, the information the bureaus collect is far too sensitive and they have demonstrated an inability to protect our information, an unwillingness to place the proper safeguards and policies as required for accuracy. Think about this for a moment ... what other industry or business has the ability to destroy an individuals life? With the power to determine every aspect of your life ; Where you live, where you can work, what you can afford, etc.. and they have proven far too many times to be indifferent towards the lives they destroy, How many times must the Credit Bureaus be sued for the same reckless and egregious behavior. Count all the settlements and sanctions and look where we are. 

Additionally, the information the Credit bureaus possess on individuals should be considered a National Security risk, they have private information on our Senators, Representatives, Judges, Military, FBI member 's, etc ... This must be a government run industry. I will be sending letters to Congress and publishing articles online, in blogs etc.. to get this idea out there and see the publics response.

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 explanation