Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following link proves that I am no longer liable for any debts incurred while attending the now defunct, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I have previously submitted complaints stating clearly and unequivocally that I am in no way responsible for any debts incurred at the XXXX XXXX XXXX XXXX. This latest piece of evidence confirms that I am not liable for any of these falsely alleged debts. 
Yet XXXX continually harasses me for payment, constantly threatens to further damage my credit, and has even threaten to report my loans as in default. Over the last several years I have collected the following information on these predatory institutions. 
I have submitted numerous cease communications letters to XXXX in accordance with both the state and federal Fair Debt Collection Practices Acts. Yet XXXX has illegally contacted me after receipt of these letters. Despite breaking the law, no one from XXXX has been criminally prosecuted. 
Over the last several years I have collected a massive amount of evidence regarding the criminal conduct of XXXX, the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and the so-called XXXX XXXX XXXX XXXX XXXX. The evidence is as follows. 

In XXXX, the government sued XXXX XXXX XXXX for {$11.00} XXXX dollars in fraud XXXX XXXX  XXXX yet only the debts for those who attended after XXXX was pardoned. The government agreed to a paltry slap on the wrist settlement leaving the students holding the bag. There are petitions all over the internet demanding justice for the students and families wronged XXXX XXXX XXXX. The US DOJ 's paltry XXXX XXXX dollar settlement was useless. No student had their debt cancelled and no student was compensated. The injustice was so egregious that the XXXX XXXX XXXX sued the US DOJ in order to obtain the files from the case. XXXX XXXX XXXXXXXXXXXX XXXX XXXX   XXXX. Today, a Pennsylvania judge ruled that the US DOJ must give XXXX the case files requested under the Freedom of Information Act ( FOIA ). XXXX XXXX XXXXXXXX. In fact, there is an entire project, the XXXX XXXX XXXX XXXX, demanding that the USDOJ release the case files regarding XXXX 's ( the parent company of the XXXX XXXX XXXX XXXX ) predatory, for-profit, recruitment practices. Just last year, the government sued XXXX XXXX XXXX   XXXX. The Attorney General for the State of Washington joined the lawsuit against XXXX XXXX XXXX XXXX. The Attorney General for the State of Pennsylvania joined the lawsuit against XXXX XXXX XXXX XXXX. The Attorney General for the State of California joined the lawsuit against XXXX XXXX XXXX   XXXX. The Attorney General for the State of Illinois has joined the lawsuit against XXXX XXXX XXXX   XXXX. The lawsuits allege, correctly, that XXXX cheated millions XXXX XXXX   XXXX. There are numerous class action lawsuits against XXXX XXXX XXXX XXXX. The private class actions are necessary because the actions of the CFPB are insufficient XXXX XXXX XXXX. The case files can be accessed by anyone online XXXX XXXX XXXX XXXX XXXX XXXX. A primary reason for the suits is XXXX 's collection practices XXXX XXXX XXXX. That filing can be found here : XXXX XXXX XXXX XXXX XXXX XXXX. There are a number of individual lawsuits against XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. Which can also be accessed online : XXXX XXXX XXXX XXXX XXXX XXXX. As well as here : XXXX XXXX XXXX XXXX XXXX XXXX. The remaining evidence against this predatory lender is attached to this complain in the form of PDF documents and screen shots. Long before XXXX XXXX XXXX XXXX XXXX  closed, millions of students were asserting, correctly, that their degrees from these predatory institutions were worthless : XXXX XXXX  XXXX. The parent company of XXXX XXXX XXXX was the so-called XXXX XXXX XXXX or XXXX. A predatory institution that is 40 percent owned by XXXX XXXX, one of the predatory financial institutions which the tax payers were forced to bail out with {$800.00} XXXX dollars of our money in XXXX. XXXX filed for bankruptcy and has been rapidly closing it's defunct, so-called, schools, including one campus of XXXX XXXX XXXX after another falling like dominoes. XXXX XXXX XXXX. The despicable thing about this is, that the students struggling with six figure student loan debt, are not allowed to file bankruptcy on our student loans. Just last year, The XXXX XXXX, which is supposedly a religious based nonprofit, purchased XXXX XXXX XXXX, including XXXX XXXX XXXX XXXX XXXX from XXXX. XXXX XXXX  XXXX 's claims of religious observance do not appear to extend to the concept of charity because it refused to pardon the debts of any of the students who were harmed under previous XXXX management. It formed the so-called XXXX XXXX XXXX XXXX which is just another corrupt, predatory institution putting up a religious front, hiding behind false declarations of faith in order to continue to swindle students. XXXX XXXX XXXX does not appear to believe in " giving unto others '' or any of the other charitable commandments given by XXXX in the XXXX XXXX. Otherwise, they would not have continued to mislead students about the fact XXXX XXXX XXXX XXXX XXXX  is not an accredited educational institution. XXXX XXXX XXXXXXXX. Finally, as stated at the beginning of this complaint, this article proves, that neither I, nor anybody who attended the XXXX XXXX XXXX XXXX, which is now closing and is an unaccredited, defunct, predatory institution, are liable for any debts incurred, whether private or federal student loans, while we attended XXXX XXXX XXXXXXXX XXXX XXXX. We, the students, collectively demand the immediate cancellation of all debts which XXXX, the Department of Education, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX, falsely allege we owe. We received no return on our investment in our education, we are not liable for these debts and we refuse to pay them.

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