Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX bring this action and states a claim to secure redress and damages from unlawful credit reporting and collection practices of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. They have and continue to attempt to collect and reported as a defaulted debt on Plaintiffs credit as justification to report negatively and collect on a debt that plaintiff didnt owe by using coercion as you will understand by the end of complaint ; Further that it would have been impossible for Me [  XXXX XXXX XXXX ] Plaintiff to sign any Electronic Promissory Note rendering the Promissory Note Defendants stated Plaintiff allegedly owing then signed void, invalid, a non-existent contract or agreement thus to be immediately removed off my credit report ; In order to have a contract it must be voluntary between 2 parties ( I Plaintiff was an involuntary party ) XXXX XXXX XXXX alleges violation of the Fair Credit Reporting Act, 15 U.S.C. {$1600.00} et seq. ( FCRA ) ; and the Fair Debt Collection Practices Act, 15 U.S.C. {$1600.00} et seq. ( FDCPA ) for every count or statement in this compliant. The 3 Credit Bureaus failed in their fiduciary responsibility to inspect and remove XXXX XXXX  or XXXX  Filings off Plaintiffs credit report once Plaintiff disputed them. 

This action is also brought pursuant to the Truth in Lending Act ( TILA ), 102, 15 U.S.C.A. 1601 et  seq. Plaintiff also seeks a Declaratory Judgment that the Loan is satisfied for the purposes of having it removed off of my credit report. Plaintiff also brings this action for redress against Defendants because they knowingly provided fraudulent documents to 3 Major Credit Bureaus including not limited to Transunion, XXXX  and XXXX  ( Who failed ) in their fiduciary responsibility to investigate and report true and accurate reports collectively injuring Plaintiff. The Credit Bureau Defendants are business entities with credit information about prospective or current customers with regard to their credit ratings, and their actions are regulated in part by the Fair Credit Reporting Act. ) as well as other ( Defendants et, al ) ; by illegally justifying a default against Plaintiff namely via a Promissory Note [ Which Plaintiff did not sign via wet-note nor electronic signature ; thus no contract existed ]. Plaintiff also seeks damages for pain, suffering and emotional distress due to the inability to obtain credit based on this willful act causing additional duress. All allegations made in this Complaint are based upon information and belief except those allegations which pertain to Plaintiff, which are based on personal knowledge. Each allegation in this Complaint either has evidentiary support or is likely to have evidentiary support after a reasonable opportunity for further investigation or discovery. Whenever in this Complaint reference is made to any act, deed or conduct of [ Defendants and or Parties ], the allegation means that Defendants engaged in the act, deed or conduct by or through one or more of their officers, directors, agents, employees or representatives who was actively engaged in the management, direction, control or transaction of the ordinary business and affairs of one or more of the Defendants et, al. 

Plaintiff is informed and believes, and on that basis alleges, that at all times material, each principal of the Defendants was the agent, servant and/or employee of the Defendants et, al, acted within the purpose, scope and course of such agency, service and/or employment and with the express and/or implied knowledge, permission and consent of the other Defendants, and ratified and approved the acts of the Defendants et, al. I am also claiming Duress against Defendants etal or any person or company in this complaint This case is brought within one year of the violations in compliance with the statute of limitations at 15 U.S.C.A. 1692k ( d ) and within four years of violation of state law.

Attached in [ Exhibit A ] is the " MPN '' Promissory Note That XXXX and XXXX XXXX attested to that I allegedly signed. There are several problems with this assertion [ Page 4 of 9 ] 1st There are two different dates on the Note they claim I executed dated XX/XX/XXXX which was a National Holiday XX/XX/XXXX and could not have been executed 2nd there was another date on the same Promissory Note Dated XX/XX/XXXX 3rd all of the accounts and numbers are redacted so how as a consumer would that be legitimate or acceptable for me to investigate When the Note was mailed directly to me ; there was no reason to redact any information. 

[ Attachment B ] Lastly there was no possible way i could have signed this MPN Promissory Note in XX/XX/XXXX or XX/XX/XXXX because according to the US Department Of Education [ Attachment B ] I never had a FSA ID Which is the only way to sign a MPN Master Promissory Note [ Attachment X ]. I just received my FSA ID on XX/XX/XXXX. 

[ Exhibit C ] XXXX XXXX are still reporting this to 3 credit bureaus negatively affecting my ability to obtain credit What Payment did I agree to that I missed? 

[ Exhibit D ] XXXX XXXX and XXXX Admitted they entered a Default against me in error so why won't they and 3 major credit bureaus remove it. It is the responsibility of the 3 Credit Bureaus to remove an account if there is no wet note signature and I never signed a contract rendering their Contract/Note void. Non-Existent. 

[ Attachment E ] A credit report dated XX/XX/XXXX shows page 2 Student Loans {$77000.00}. I have been harassed by phone and letter for an amount over the {$45000.00} they claim I owe wrongfully by parties. See [ Attachment F ] {$45000.00} [ Attachment I.A ] The parties to this complaint are claiming I owe yet a different amount {$44000.00} also note the harassing & threatening tone of the letter threatening to offset my taxes by the IRS if I dont pay this alleged Promissory Note dated XX/XX/XXXX.

[ Attachment I ] Caivrs Authorization Report proving I never defaulted on a Student Loan yet the parties tried to coerce me into saying I owed which I dont. See [ Attachment # 1 # 2 # 3 ] XXXX also reported a XXXX Balance then proceeded to sell account multiple times like a shell game. See XXXX XXXX # 1, # 2, # 3 reports dating from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

[ Attachment P ] Look at the 3 Major Credit Bureaus responses and position XXXX  In Sum Saying on XX/XX/XXXX The Creditors verified its accuracy. Look at [ Attachment A ] and tell me by looking at this fake promissory note that it would even qualify as accurate or legitimate. The credit further state they wont even re-investigate it. Even thought I disagreed with their findings. The Creditors pay the Credit Bureaus to report information and thats not fair. The Credit Bureaus have no incentive to report truthfully for the consumer. On the report they are claiming I owe yet again a different amount page 3 of 8. I also requested the 3 Credit Bureaus stop advertising against my SSN. The Dept of Ed Showed I never Defaulted. 

[ Attachment O ] look how low my score is it should be perfect by now ; yet another amount Parties stated I owe {$32000.00}. I have filed Federal Complaints and Complaints with The AG IL Office.  Please note I never signed the Promissory Note thus no note Existed therefore it should be removed off immediately I owe {$0.00}. 

I reserve all my rights Thank You!

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