Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX and her Indenture Trustee XXXX XXXX XXXX received packets from me regarding my resolution and remedy sought to cure areas that had not been remedied over 60 days back and forth + with the Transunion call line and reception office in Pennsylvania. Zero FTC or CFPB complaints were addressed timely. They just passed the XXXX deadline for another report. XXXX opened my email notice numerous times. On Friday, XX/XX/XXXX I noticed an alert my Transunion score had elevated. I checked it. My XXXX XXXX XXXXXXXX Credit card was removed form my credit report via XXXX. XX/XX/XXXX I use my XXXX XXXX  XXXX Credit card, no issue. XX/XX/XXXX I go to use my card after a sizable payment was applied, the card has been revoked and closed. After contacting XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX helps me determine at XXXX that the reason after ruling out all others was " irregularity with credit profile '' -- I reached out to XXXX via email, she received it and read it. I am attaching this email to the CFPB complaint with this message. This cost me damages. I suspect a RICO violation as XXXX XXXX XXXX is an investor in Transunion. Transunion has added all kinds of fiduciary relationships to my credit file I have never possessed. I have asked numerous times to remove the hard inquiries on my file -- no authorization has been verified through my signature verification upon the XXXX disputed inquiries. This was used + the reviews + the promotional pulls to harm my credit file. Additionally, non-public personal financial information is being reported with account numbers, financial payments, balances, limits ( all not anyone 's business ). I requested for this be remedied from both XXXX XXXX XXXXXXXX ( who declined/refused in a letter XX/XX/XXXX ) and Transunion ( who declined via phone conversation XX/XX/XXXX ). I am seeking damages from the adverse reactions taken by XXXX XXXX. Racketeering and conspiring to profit in unfair credit transactions that cost additional usury is criminal. Offering products with no intent to fulfill a GOOD FAITH application is criminal and a violation with discrimination under the EOCA. My request has been : \\\\\\\\\\\\\\\\\ Remove XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ; Remove XXXXXXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX ; Remove XXXX XXXX XXXX  XX/XX/XXXX ( All XXXX Hard Inquiries ). XXXX removed the credit card XXXX off of my profile that had a record from XXXX -- XX/XX/XXXX with on time payments and was in good standing. XXXX XXXXXXXX XXXX told me it will read " CLOSED '' at all bureaus. Further, I have asked the specific accounts to XXXX to be corrected as CURRENT, IN GOOD STANDING, PAID AS AGREED on my file and to remove the specified non public personal information that is violating my privacy. I have requested all promotional inquiries be eliminated as I never authorized these, and I be opted out of Promotional inquiries. I have requested all Credit Reviews from non-authorized fiduciary relationships be removed from my file. I have requested XXXX XXXX or her Indenture XXXX XXXX pay all fees in connection to the previous notice ; there is an addition notice being generated at this time for damages from the adverse reactions taken against my credit card. I referenced this card closure in a FTC Complaint with XXXX XXXX  XXXX XX/XX/XXXX # XXXX // The CFPB received a report for XXXX XXXX XXXXXXXX XX/XX/XXXX for closing my credit card with adverse action XX/XX/XXXX after amicably troubleshooting and exhausting the billing error disputed XXXX -- XX/XX/XXXX and finally received 1 representative ( XXXX ) at XXXX XXXX XXXXXXXX XX/XX/XXXX whom remedied this by sending reports to the credit bureaus re the billing error dating to the date of receipt as XX/XX/XXXX.

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