Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Everything on the credit report is for fraudulent none of the entries have been authorized by myself to report. This must consist of several factors number one There was no validation of the debt by actual accounting 2 There was no validation of each creditor 's claim against me 3 : No signed invoices 4. There was no binding contract by both parties sent by certified mail so that your vacation of the delivery has been made. 5. There is no wet ink signature by both parties 6 I was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore no legal entities or a third party can collect on their behalf.

Per the fair credit act statute 602 The credit reporting agencies have improperly and unlawfully reported things in my consumer credit report that are erroneously reported and not verified to report ( all information on the report is inaccurate as well as denied me work, property and other financial, as I diligently tried to obtain property and other financial gain .My information appears on the black web and I have been a victim of a security breach that took place at the federal agency at which I was employed ..These inaccuracy is have drastically change the quality of my life for the worse. I also have entries that are erroneously reported that belong to a female that has nothing to do with my report ..The files appear to have been merged ..There was never the slightest attempt to contact me prior to reporting these things which is lawful per statute 602 as well as statute 807 etc attached to the FTC report herein according to my constitutional rights and of the Fair credit act. merged credit file occurs when a CRA totally combines the credit files of two or more different consumers into a single credit file so that ( a ) one consumer has a trove of personal and account information in his or her credit file ( and on his or her credit reports ) that does not and never did belong to that consumer, and ( b ) another consumer 's entire credit history essentially disappears because a credit bureau has placed all ( or nearly all ) information that should be in the consumer 's credit file into the file of another consumer. A merged file, in other words, happens when XXXX, XXXX, XXXX, or TransUnion places information that belongs to two ( or more ) separate individuals into the credit file of just one of those individuals. As such there is a merged file, the credit file of one or other individuals can be totally or nearly merged out of existence. Mixed and Merged Credit Files are a well-recognized issue at all major credit bureaus Generally, because credit bureaus like XXXX, XXXX, and TransUnion -- in violation of 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) -- fail to follow reasonable procedures to assure maximum possible accuracy of information that these CRAs report about consumers, mixed and merged credit files have been a well-recognized and frequently prosecuted problem for decades. Recently, the New York Attorney General filed charges and settled claims with XXXX, XXXX, and TransUnion concerning, among other issues, the prevalence of mixed files. The settlement agreement between the New York Attorney General and XXXX, XXXX, and TransUnion, dated XX/XX/2015, I am a victim of merged file and am entitled to compensation if the information is not deleted. To protect my rights to maximum possible accuracy of information on your consumer reports ( based on common law defamation principles ) and to assure that only people who should see consumer reports about you do see consumer reports about you ( based on common law privacy principles ), the FCRA lays down the rules of the road for the credit bureaus, the companies that furnish information to credit bureaus, called furnishers, and companies that purchase consumer reports about you, called users. These agencies have not ever contacted me per the fair credit act statute .There was not ever a contract or signature provided to report these facts and or other which directly violated my personal professional and constitutional rights Furthermore The credit reporting agencies illegally violated my privacy and continued to report without my permission to do so and received and reported information on my report without verification or consideration as to the names and I have not ever taken or been approved for a loan ever which is identify theft Please delete all entries from my credit reports Delete all entries without harassing letters and or correspondence soliciting and explanation from me and an attempt to validate what they have already erroneously and illegally reported Financial compensation will be sought per each violation in a court of law of {$1000.00} if the information is not deleted immediately.

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