Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/XXXX, I became aware of all the damage the Department of Education XXXX XXXX XXXX  has caused. XXXX was reporting a derogatory education loan the entire time I was on a military XXXX in XXXX. I never had a contract with XXXX. I never provided my personal information to XXXX ; I did not consent to XXXX placing any information on my credit report. 
There were several more entities reporting derogatory education loan information, that I never had a contract with, provided my personal information to, or consented to placing any information on my credit report. 
This is a list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After talking with a representative from XXXX, I find out XXXX establishes a separate contract with these entities. These separate entities are perpetrating to be government agencies but the courts have already made it clear they are not. The courts have also made it clear that my rights to privacy as indicated in my contract with XXXX are not individually enforceable. However, when XXXX establishes separate agreements with the abovementioned entities, to unilaterally grant privileges of the stipulations contained in our contract without my consent ; is a breach of contract. 
For about fourteen years, the different entities plus XXXX were all reporting on my credit report for the same exact loan ; that is 12 to 16 derogatory reports at one time. Duplicate or morphed accounts have been outlawed by the FTC. The credit bureaus penalize consumers about XXXX points for every derogatory account reported on a consumers credit report. That is a minimum XXXX point deficit on my credit report at all credit reporting agencies ; XXXX  scores range from XXXX to XXXX ; under XXXX is considered poor credit. 
The Department of Educations punishment and then additionally allowing the individual entities to punish me for the same loan, qualifies for the Double Jeopardy Clause in the Fifth Amendment to the US Constitution of which prohibits anyone from being prosecuted twice for substantially the same crime. The relevant part of the Fifth Amendment states, " No person shall... be subject for the same offense to be twice put in jeopardy of life or limb.... " My " life, liberty, or property was unduly and permanently taken from me by the acts and omissions of the Department of Education. 
The Department of Educations vigorous, all-encompassing punishment that included other entities to purposefully maliciously drive my XXXX score down to about XXXX ; has cost me approximately {$2100.00} in interest per year. The Department of Educations actions have also cost me a mortgage with XXXX XXXX. 
These are duplicate / morphed accounts that TransUnion has failed to investigate and delete.

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