Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Okay I'm going to share with you what I told the FBI-iC3 in a cyber fraud/IP fraud complaint. Well let me put it this way, so that you know where this is going. I was invited to attend XXXX  schools (I went to two due to fraud) and was paying for everything out of pocket (food, rent, transportation, books, etc). I took out federal loans to pay for the rest. I do not qualify for bankruptcy to discharge these loans possibly because of due process issues and a stubborn inability of one lawyer to believe that fraud and racketeering could ever be so egregious right there at a law school. Some of us are XXXX  on purpose and in my case I was told that I was sick by school administrators. This is also part of my family dynamic. XXXX is sick, therefore anything you want that is hers you can take. I was also about XXXX pounds during XXXX  school because it felt much nicer to be in control of my feeling of nausea. As you might know, one can make a lot of money by disabling a person (better yet, a XXXX  person or someone XXXX XXXX) so much that the appearance is that they can no longer take care of themselves. I was forced to quit XXXX school twice on account of this principle: XXXX XXXX is just too ssick to handle our coursework. I feel that these people are defrauding the government by injuring only those whose families don't let them have voices. Any lawyer will tell you, nothing can feasibly go wrong when the victim cannot be heard or believed due to alleged mental illness. In this way I consider the XXXX  trials very important because many of those victims cannot be heard because they are non-living. There's a second benefit to inducing sickness in another: direct profit from controlling their assets, property, welfare, education, rights, and social media posts. All of this I have gone through. Generally family members with wills and trusts are infamous for inducing one family member to believe they are sick enough to tell a doctor that. This is why they are able to control of the finances of someone else living far away as was the case with me. This kind of fraud might have become more or less camouflaged by Covid-19 itself when so many people were frantic and everyone walking around in a surgical mask looked like either a surgeon or a sickly patient. The next part that follows is a copy and pasted account of what I told the iC3 division of the FBI in a similar complaint today. I feel this is necessary as a matter of life or death, to submit as many complaints as needed until one person decides to stand up for me. No one has so far, everyone is so XXXX. Many facts that would be helpful are omitted for brevity reasons if possible. But what I include here should be enough to initiate some kind of investigation. The bulk of what is discussed is about what you see here XXXX a recording I took with my phone to prove that my audio service on XXXX  was part of a conspiracy against me.

In XXXX  (Spring) I was the only girl in the XXXX  XXXX  class at XXXX XXXX XXXX XXXX XXXX. There were only 4 students in the class, but still. This is the kind of class where you learn how to draft XXXX  claims. The professor stood in an auditorium style room in XXXX XXXX  to teach the class over XXXX. Me and 2 other students took the class over XXXX  due to COVID-19 (classes were taught "hybrid" style) while 1 student managed to attend on campus every evening.  I was told I did very well. Then unexpectedly one day about 1/3 of the way into the semester the audio was affected. I literally could not hear, but when I spoke in class the professor could hear me. The other students taking the class on XXXX  might have had trouble hearing too but were complacent and just wanted a grade. No one could figure it out despite the intellectual superiority of everybody. For the rest of the semester, at every class that was held (but only for this course), I was unable to make out what the professor was saying. It was probably the classroom settings. I could hear the other students on XXXX  just fine. I complained in class everyday. I could no longer follow the course or the lecture and when it came time to do the final project I threw my hands in the air with tears in my eyes and I told the professor that I thought it was an ethical violation and a selfish thing to do (also an injury to pay for what I haven't received) to fib my way through the course he advised me to do it anyway for a B. I refused. I really like science and there is no reason to exaggerate the truth. I took a video of one of the classes using my phone even though, yes, this violated student handbook policies on taping lectures. When I complained about this to the Dean of Students XXXX XXXX  she told me that it was my fault, I would have to pay for the class anyway and would not receive credit, that what I should have done is ask for accommodations for my XXXX XXXX The most ironic thing was that the hypothetical invention we were using in this course was about XXXX XXXX that is held under the grate of a XXXX XXXX  in a wet basin. Now correct me if I am wrong but stormwater means oily water from traffic in this context. I see this as connected to the internet or the XXXX. XXXX XXXX primary goal for the XXXX XXXX XXXX XXXX was water communications and XXXX was pregnant at the time.

This blatant fraud was outrageous and inciting especially since my grandfather was a XXXX XXXX XXXX XXXX XXXX  veteran who invented some special technology for oil rigs that prevented oil spills from happening, which was patented. The other unusual thing about this was that my vicious boyfriend at the time was XXXX XXXX XXXX XXXX XXXX XXXX He is a proud boy in every sense of the word. He even came to visit me in order to attend the XXXX XXXX XXXX XXXX XXXX XXXX Oregon (where XXXX XXXX XXXX is located) in XXXX. He is a patent holder for some kind of phone or internet software, is a contractor now and also founded XXXX. Kind of thematic, don't you think? Later that year he XXXX XXXX XXXX XXXX while I was in XXXX  taking one class remotely. He did this on purpose and in his closet as if he was worried his TV might hear me shout. A police report was filed. That was in the summer in his loft apartment on XXXX XXXX  next to XXXX XXXX  across the street from the XXXX XXXX.

Getting back to the Spring semester right before the XXXX... I had difficulty with professors in every IP class I took especially during that semester. The classes I took were XXXX, XXXX XXXX XXXX XXXX. I only received course credit for one. Look, I am a good student and I am from XXXX  Massachusetts the place where a lot of IP comes from and where XXXX XXXX was written. You can believe me when I say that I care more about the arts and sciences than these people do.

When I started law school I had XXXX of my own money, I was paying my own way and no one wanted me to go to XXXX  school. I was the "identified patient" in my family. But in preparation of what was to come I took out multiple federal loans and received a scholarship, a scholarship which was taken away when I received no credit for things and my GPA dropped. Eventually, I withdrew and fled to take care of my health and to find out why I was being treated this way with one class remaining, but listen I had no choice. I felt ethically obligated to defend myself even though self-defense is not the occupation of a XXXX. During school and after I withdrew my family and boyfriend used the discrimination I told them about as a quasi-precedent (or rite of passage) kind of like XXXX XXXX XXXX used XXXX XXXX to see how much they could get away with. It was no longer merely acceptable to hurt XXXX XXXX  and make her sick, it was the rule. My family has now taken everything I own including my car and textbooks away from me. So I started with XXXX  and invested that in myself to acquire knowledge then a few years later I have XXXX and no personal property or assets and XXXX in loans with no diploma or way to finish school, I also do not qualify for bankruptcy to discharge these loans, trust me I have tried. I am a victim of fraud, clearly. The worst part is not one XXXX  is knowledgable or willing to help me even with money, its "too complex." It isn't really though. If I were to draw this like on a patent I would draw a XXXX. Its a repititous pattern that "walks" on its own like magic. It can look curved like a rainbow from one perspective, it can look like a thick bracelet if you hold it in your hand, or you can see right though it like a tunnel. This is the best I can do as someone with no real-world experience to describe the difference between a student being just a total XXXX  with a spending habit and a student being a victim of very serious very real timely fraud. There was something else about this class that relates to poetry that makes me feel certain this is XXXX  but I will skip over that for now for clarity purposes.

When I withdrew from school (approx. when RXXXX XXXX XXXX in XXXX XXXX) I had just been told by the dean (XXXX XXXX) that I was too sick to participate in classes and was not be allowed to raise my hand, ask or answer questions in class. This was actually in writing but my school email was deleted when I withdrew. I was also told not to come back when I withdrew. It was so outrageous, what this being a XXXX  school and all, that no one believed me. On top of which I was so flabbergasted that I could hardly speak conclusively. No one cared either. What they saw was someone who had been missing for XXXX years and reappeared penniless with bruises with nothing to offer the world. I was forced into homelessness when XXXX  and my sister conspired to take me out. Just like that my world flopped down like a 2D piece of cardboard I had confused for the real world. Isn't it unusual, to have no clothes or money or textbooks or diploma despite a sizable inheritance? It is as though I don't exist either. I have no 5th or 8th amendment rights as a result of this and so I am a "criminal" without any criminal charge, conviction, trial or lawyer. I therefore also lack 4th and 6th and arguably 13th amendment rights. Still, no one knows what to do! In the words of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I mean, I think I am being blocked from being a XXXX XXXX XXXX  by depriving me of my civil rights and my voice. I am constantly told that I am SICK SICK SICK. Sometimes an envelope will just fall down from the sky into my hands inside with a tiny letter inside that says "dear XXXX, you are sick, love the United States." I am driven to be sick. I felt nauseated in school. And I recovered from a XXXX  year battle with XXXX XXXX XXXX  when I withdrew but then was starved on purpose when I went home and was (unlawfully, I would think) evicted by my boyfriend and family. I managed to remain XXXX  throughout all this. Using my intellect, I managed to locate a miniature XXXX XXXX for survivors of this kind of thing. I am doing better now and have my physical needs met technically but I have been living in hiding from the people who profit off XXXX  (as if I'm a fugitive from the law) for XXXX  months and for the last XXXX  weeks during this time I have finally been strong enough physically and mentally to figure things out on my own. I did start talking about XXXX  on XXXX  before it was ever in the news with XXXX XXXX. It isn't like I'm trying to mimic what I hear or something. My instinct that this is XXXX  is partly connected to the XXXX XXXX in the XXXX  class in the sense that the only source of the income I still have, which I inherited from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, comes to me in the mail from an oil and natural gas company in XXXX, LA (XXXX XXXX) in the county of XXXX XXXX. The amounts and frequency of these checks that I receive is suspicious but I have no control over it and this company refuses to send me adequate information or tax forms on this account that I allegedly have ownership rights to. But so do other members of my family, so making me sick is certainly in their interest. I know that at one point my mother XXXX XXXX was intercepting these very small but precious checks. I guess what I'm saying is that there just seems to be an oil and natural gas hearing disconnection. Maybe this is part of research conducted at XXXX XXXX XXXX  the #1 XXXX XXXX  school in the nation, but if that is the case I would like it to stop because I am no longer a student and the XXXX XXXX still applies. Because of the infrequency of these reported checks Massachusetts is suspicious too and feel that they lack the requisite verification (proof of income) I need to show them in order to receive cash benefits, food stamps and free health insurance. So my food and health coverage will be cut off soon and there's nothing I can do about it. The XXXX  just sends a XXXX XXXX counselor to help me work through my perception of things. My family continues to make me sick intentionally and I am permanently injured by what the school did to me. These people working side by side get me to spend more while losing my credibility and control over my health. It feels like a XXXX  spiral, like in couples ice dancing. So I suspect that there is an underlying securities fraud aspect to the intellectual property/cyber security fraud for which I am reporting here that might be justified by my inheritance which led to my XXXX  and ... guess what.. my inability to be heard.

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