Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer contract with my signature on it ) you have on file of the accounts listed below. Failure to positivity verify these accounts has hurt my ability to obtain an auto loan and mortgage to get out of a false imprisonment situation. Under the FCRA, UNVERIFIED accounts must be removed immediately.

In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I am entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite written requests, the UNVERIFIED item listed below still remain on my credit report in violation of Federal Law. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you " verified '' the item as being " reported correctly ''? 

Regarding XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, known as XXXX  on XXXX ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX Who verified this account? 

You have NOT provided me a copy of ANY original documentation from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, known as XXXX  on XXXX ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX ; with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) and Secton 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act DELETE this UNVERIFIED account from my credit report. 

Defamation of Character, HIPAA violations, mail fraud, disgusting accounts opened using my photos... trafficking attempts, cyberbullying, randomare attacks to my children 's school, DUI/DWI hit and run and parole and probation violation, blacklists, enemy lists, police misconduct, aiding and abetting, attempts, abuse, neglect, computer crimes, conspiracy, counterfeiting, fraud, disorderly conduct and disturbing the peace of my residence and my children 's learning environment, domestic violence, extortion, forgery, harassment, hate crimes, obstruction of justice, neighbors public intoxication & open container ( of alcohol ) put on my property, perjury, blocking my property, pyramid schemes, unwanted soliciations, racketeering/RICO. Dark web exposures. I am a survivor - hacking into my XXXX and stealing my photo for revenge XXXX is extremely disrespectful and traumatizing. Stalking, telemarketing fraud, theft, vandalism to my property, XXXX XXXX XXXX- retail discrimination .... and XXXX declined my coverage application. 

I paid for the identity theft coverage that offer credit monitoring services, such The XXXX XXXX XXXX plan which offers {$1.00} XXXX in identity theft insurance, as well as dedicated fraud resolution support and XXXX XXXX XXXX XXXX XXXX ( XXXX ) denied that I am a victim of fraud, harrassment, intimination, XXXX, XXXX and false imprisonment. My children and I have been attacked, for several YEARS - 18 US Code 1389 violations.

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