Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS IS A REQUEST FOR AFFIDAVIT [ s ] FROM THE CEO or CONTROLLERS OF THE BACK OFFICE TO SUPPORT THE DOCUMENTS BY XXXX XXXX THAT WAS NEVER PRODUCED WITHIN THE THIRTY DAY ALLOTTED TIME, ARE IN QUESTION TO BE NEWLY CREATED ROBO SIGNED AND FORGED, TENDER OF PAYMENT OFFERING WAS DECLINED REFUSED AND REVERSED IN WRITING AND NEVER RETURNED, THEREFORE SET FOR DELETION & DISCHARGE! 

i XXXX-XXXX ; XXXX a man in flesh and blood have paid my debt thereto XXXX XXXX   in the full amount and over that by three times the amount demanded. XXXX XXXX has used deceptive misleading tactics, for the FDCPA 1692 807. False or misleading representations - Claiming that you XXXX XXXX  never receive the Tender Of Payment then threatened me with words like illegal form of payment, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. On XX/XX/XXXX XXXX XXXX received the payment TENDER OF PAYMENT credited account as they stated they would which is on the back of the statement and money check coupon. 

The statement is located at the bottom left titled Information About Payments ; It says you may at anytime pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. Payment received after XXXX et on any day will be credited as of the next day. Credit to your account may be delayed up to five days if payment [ a ] is not received at the payment address, [ b ] is not made in US Dollars drawn on a US financial institution located in the US., [ c ] is not accompanied by the remittance coupon { REMITTANCE COUPON } attached to your statement, [ d ] contains more than one payment or remittance coupon, [ e ] is not received in the remittance envelope provided or [ f ] includes staples, paper clips, tape a folded check or correspondence of any type. My Account [ s ] where credited as it states on their back statement lower left corner. It was received on XX/XX/XXXX, and credited on XX/XX/XXXX exactly five days after the tender of payment was received. This is why they have not sent me a statement in full nor the copy of the application which is the contract for it contains illegal information that goes against the FDCPA. Also i have found the old statement sent to my wife home address dated XX/XX/XXXX, please see attachment. The FDCPA 1692 807. says ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. More over this is discrimination, for they credited the account in full on the fifth day and then reversed the payment on the ninth day. This shows discrimination for they admit on the back of their coupon lower left corner they do accept other forms of payment please see attachment.

As i am a qualified financial institution under the 12 CFR 231.3 that states a person qualifies as a financial institution for purposes of section 401-407 of the Act if  represents, oral or in writing, that i will engage in finial contracts, as a counterparts on both sides of one or more financial markets and either [ 1 ] had one or more finial contracts of a total gross dollar value of at least $ XXXX in notional principal amount outstanding on any day during the previous 15 month period with counterparts that are not its affiliates or [ 2 ] had total gross mark to market positions of at least $ XXXX [ aggregated across counter-parties ] in one or more financial contracts on any day during the previous 15 month period. My answer is Yes i have, with the US Treasury, XXXX, XXXX XXXX XXXX  and XXXX XXXX well over XXXX XXXX Dollars. 
NOTICE : THE FOLLOWING CONCERNS ARE NOW SERIOUS COMPLAINT ; Notice : I have all the original documents from online and other, be truthful in this process, thank you XXXX XXXX XXXX. I have had an expert document/contract person to look over the documents and they have raised some very serious and important questions ; XXXX XX/XX/XXXX, XXXX XXXX produced documents alleging to verify or validate the alleged debt that are ; *Robo singed and missing Key information from the back of their own statement and coupon [ s ]! 
*Incomplete documents or missing pages! 
Without Recourse and Without Consent is whats digitally signed on your documents, not my signature! 
*70 % of the documents were completed online with a digital signature! 
*The Note/Debt presented by XXXX XXXX were copied, shrunken, makes it hard and difficult to read and understand! 
*Does not look like the original documents, many are missing brokers information and personal information! 
*The documents have been destroyed, deleted and or altered from the original documents, this is why they claim they are no longer available due to time which is false! 
*The documents recently produced there was added a document called a PUD Rider please explain why this was added without my consent or knowledge! 
*When i demanded a copy of a check from the Title company, they said they would contact me by email after they gathered that information, this was never done, SO *WHERE DID THE FUNDS COME FROM AND WHO IS THE ORIGINAL LENDER? 
*The Certificate Of Administrative Judgement provides most of the answers i am looking for due to none of the parties listed therein served as of XX/XX/XXXX with no response as of XX/XX/XXXX. 

THE CREDIT BUREAUS HAVE LISTED ME 30 DYAS LATE WITHOUT VERIFICATION INVESTIGATION OF THE XXXX XXXX ACCOUNT WHICH MUST HAVE ANSWERED THE FOLLOWING QUESTIONS IN FULL NOT IN PART LINE BY LINE ITEM BY ITEM WITH THE 30 DAYS ALLOWED WE ARE PAST THIS TIME NOW SINCE XX/XX/XXXX! IT HAS BEEN 50 DAYS or more! 

*Question - Please provide the address and contact number for direct contact of the creditor if it is not the man/woman of this account and show where the funds where drawn from? 
*Question - Why have XXXX XXXX discriminated against the payer in this matter without reason and or purpose by law to do so? 
*Question - XXXX XXXX stated that they do not accept the tender of payment please explain why? 
*Question - I have mailed you via XXXX mail a total of five Tender Of Payments! in the full amount owed of the debt, why have you not returned them if you have reversed payment and are declining the payment of the tender? 
*Question - Due to the legalities of the Lawful Tender of Payment, making sure it is not duplicated nor copied and used or cashed/deposited with the Federal Reserve Banks XXXX Treasury XXXX did XXXX XXXX destroy the Tender Of Payments? 
*Question - Why cant you provide a copy of the original applications and contract agreements, is it because the man/woman of this account has already paid this debt by their credited account on the day of the application/contract? 
*Question - The documents you have scanned and sent to me are hard to decipher, so how is it possible to tell if this is the original without the wet ink version with the XXXX of ink i used? 
*Question - The tender of payment is legal and lawful - You have misstated that the payment style and type are questionable to be fraud and or illegal! Have you reported to the Secret Service or the FBI or even the US Treasury or done a courtesy police report for such? 
*Question - Have you Cashed the Tender Of Payment due to non return to sender? 
*Question - What Federal Reserve Bank where the funds drawn from, and is this where the funds came from for the debt?

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