Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please allow each number provided in the attachment dated XX/XX/XXXX as a reply to the electronic response provided by XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) # XXXX On XX/XX/XXXX I filed a complaint against XXXX XXXX XXXX, within my initial complaint I stated XXXX XXXX XXXX is not an honorable company due to proof of my certified letters to this company being ignored. XXXX XXXX ( Please be advised that I requested an authorized representative of XXXX XXXX XXXX ) after calling the number provided by XXXX XXXX There is no employee by that name currently employed at XXXX XXXX XXXX XXXX was thankful for the opportunity to respond to my complaint with the CFPB but will not provide proof that I was properly notified by mail. I have proof of US Postal mail with certified return receipts, signatures, stamps, proof of tracking, and proof of my current address. NOTE : ALL documents provided by XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) is not my current address. 
# 2 Please prove that I was honorably allowed the right to prove this debt does not belong to me. As I stated before this debt was transferred several times XXXX ( XXXX ) times to be exact. Within the questionable documents provided by XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) provided no accurate contact information and stated the Holder in Due Course WAS XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Federal Family Education Loan Program ( FFEL ) Consolidation Loan under account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, U.S. Department of Education ( ED ), Stafford Loan under account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX, and XXXX XXXX. 
XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) did not provide any addresses to contact any of above-mentioned businesses making it extremely difficult for communicating honorably. 
Documents provided by XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) prove that all above-mentioned companies are not Holders in Due Course as proven with copies of my name and not my signature handwritten by myself. 
# XXXX Today is XX/XX/XXXX and I have yet to receive a valid reply such as what is attached by mail. Is there any valid reason why my letters sent directly to this company was ignored? I would like for XXXX XXXX XXXX to prove that I received any goods or services from them. XXXX XXXX XXXX is the only company currently reporting 2 accounts with the same open dates and two different original balances to my credit file while admitting NOT to be debt collectors under the FDCPA. ( According to the reply from XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) # 5 The questionable Promissory note provided by XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) is in-fact not accurate, there is no proof of any contractual agreements with any party listed above. Please provide the original promissory note so that I may properly inspect it and honorably resolve any issues regarding this matter. Also include all tax documents to support all above-mentioned companies are in compliance with the IRS. 
XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) stated We redacted your identity sensitive information ( Social Security number, Drivers License number, and date of birth. ) I would like the name of the authorized representative who participated in sharing my private information also.

# 6 The electronic signatures in Global and National Commerce Act passed in XX/XX/XXXX. This does not apply to debt collectors attempting to collect a debt on behalf/contractors of someone/their client. 
Again, I am respectfully requesting the original promissory note so that I XXXX inspect it as I have not provided my signature electronically to any of the parties listed above. Please be advised : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Federal Family Education Loan Program ( FFEL ) Consolidation Loan under account # XXXX, XXXX Assistance under account # XXXX, U.S. Department of Education ( ED ), Stafford Loan under account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX are NOT HONORABLE HOLDERS IN DUE COURSE. 
# 7 Please provide the original promissory note so that I may inspect it as I have not provided my signature electronically to any of the parties listed above. William D. Ford Federal Direct StaffordXXXXFord Loan Direct Unsubsidized Stafford Loan is not a Holder in Due Course. Provide the Master Promissory Note XXXX XXXX XXXX  NOTE : I do not self-identify as a borrower. ( the term used to harmfully identity me ) Provide the contract agreement between myself and XXXX XXXX XXXX XXXX XXXX ), Federal Family Education Loan Program ( FFEL ) Consolidation Loan under account # XXXX, XXXX Assistance under account # XXXX, U.S. Department of Education ( ED ), Stafford Loan under account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and William D. Ford Federal Direct Stafford/Ford Loan Direct Unsubsidized Stafford Loan PROVING IVE ENTERED IN TO A CONTRACTUAL AGREEMENT. ( I respectfully request the original contractual agreement to prove an actual HOLDER IN DUE COURSE. ) # 8 I have not taken any action ( s ) that constitute the acceptance of the alleged repayment obligation. This can be proven otherwise by providing the original promissory note so that I may inspect it as I have not provided my signature electronically to any of the parties listed above. 
# 9 XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX stated We carefully reviewed your account Please provide ALL original contracts/promissory notes via US Postal Mail to support your authorization/obligation to ensure the data furnished by XXXX XXXX XXXX XXXX XXXX to the credit reporting agencies is accurate. NOTE : XXXX XXXX XXXX is the only company currently reporting 2 accounts with the same open dates and two different original balances to my credit file while admitting NOT to be debt collectors under the FDCPA. ( According to the reply from XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) ALL other companies listed by from XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) is not reporting to my credit file. 
# 10 XXXX XXXX XXXX XXXX will receive an honorable validation notice via US Postal mail, certified with return receipt. Please be advised I will not accept phone calls from any of the companies listed above due to the unprofessional mishandling of this alleged debt. I will keep all parties updated. XXXX XXXX XXXX XXXX is the only questionable company currently reporting to my credit file as shown in the attachments.

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