Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Notice to Trans Union LLC and to whom it may concern all alleged obligation ( s ) reported to consumer file. I am not an attorney, credit repair organization and I am submitting this complaint as a consumer on my own accord seeking relief. 
Notice to Trans Union LLC and to whom it may concern I revoke any and all consent to any communication by use of AI Technology and/or electronic agents and demand a response signed by an authorized officer and no other, in honor and compliance to my federally protected right to relief. 
Take notice that according to IRS publication 4681 its illegal to post income on a consumer report as charge off according to the IRS is income the company has to file a 1099-C. 
I received a credit report File number XXXX dated XX/XX/2023 by the financial institution, Trans Union LLC, doing business as a consumer reporting agency, that contains my personally identifiable information that has been collected, gathered and has negatively slandered my creditworthiness without verifiable proof of claim to my detriment and resulted in the deprivation of right to consumer credit and misappropriation of my personal property as a result of the information collected without my written consent. The use of criminal means to harm the reputation, or property of any person is a violation of the Fair Debt Collection Practices. I hereby submit this complaint as a federally protected consumer pursuant to the Fair Credit Reporting Act, Fair Trade Commission Act, Sherman Act and the Graham Leach Bailey Act against the authorized officers, XXXX XXXX XXXX ( CFO ) and XXXX XXXX ( CEO ) of Trans Union LLC for their participation in conspiracy, unfair and deceptive practice resulting in the illegal restraint of trade, the defamation of character and slanderous hearsay information in consumer reports that resulted in the deprivation of my right to consumer credit. 
In accordance to the foregoing, I believe I have targeted on account of race and national origin and denied a right I am entitled to exercise without good cause shown. 

This complaint is in dispute of the use of obscene or profane language or language the natural consequence of which is to abusive to me as the hearer or reader. I been made the victim of discrimination and identity theft and what appears to be a unfair treatment and data breach for which I am making this complaint against Trans Union LLC as dispute of unverifiable information and unauthorized reporting of my non-public Personally identifiable information as identity theft, misappropriation, unauthorized use and racketeering activity by Trans Union LLC for which proof of claim under oath is demanded for verification of investigation and removal of all deprecating, discouraging, slanderous negative information without adequate proof. The advertisement on a credit report for sale of any debt ( unpaid balance ) to coerce payment of the debt is oppressive, abusive and is harassment. Any debt collector or furnisher communicating with Transunion LLC as other than the consumer shall not state that such consumer owes any debt. 
I have notified Trans Union LLC on XX/XX/2023 of my right of consumer privacy and requested verification of investigation and Trans Union LLC has deliberated encroached upon my right of privacy by an act of ultra vires. I have instructed Trans Union LLC to promptly Cease and desist the unauthorized use and to exclude from the report information solely as to transactions or experiences between me the consumer and the person ( s ) making the report and to also exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( social security card ) or similar device ( social security account number ) to als include reomal of all late payments in accordance to 15 USC 1666b. Trans Union LLC has disregarded my permissible written instructions has instead sent me an unauthorized updated report as evidence of identity theft by compelled disclosure of my social security account number updated information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. I revoke any and all authorization by Trans Union LLC and its affiliates heirs and assigns all use of my personally identifiable information and negative reporting. I have included a copy of my credentials as evidence of my claim as original creditor and authorized to submit this complaint on behalf my consumer information.

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