Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I DEMAND, as is my consumer right ( s ) to do so, that you ONLY retain, use, and or report data of which is absolutely TIMELY, TRUE, CORRECT, COMPLETE, physically verified as proven valid and certified as COMPLIANT to every aspect of requisite law, including the mandatory XXXX XXXX format reporting. Let it be in clarity that I do NOT authorize you nor any entity RIGHT to access, obtain, transfer, use, or report ANY DEROGATORY INFORMATION of which is not irrefutably of a current status and proven by document FACT to be valid as well as undeniably demonstrated as being fully COMPLIANT to any and every aspect of compliance of collection, of which compliance of reporting is a MANDATORY CRITERIA. Please ELIMINATE ANY and ALL allegations of personal identifiers NOT REPORTING EXACTLY as displayed above OR ELSE PRESENT TO ME testimonial document prove certifying the FULL TRUTH, ACCURACY, COMPLETENESS, ownership and COMPLIANCE of the reported information. COMPLIANCE is a MANDATORY CONDITION of adequate proper reporting, NO ENTITY is privy to insufficient lawful reporting, be it in willful or ignorance of derelict! This letter is forwarded to ONLY INDIVIDUALS in capacity to analyze and modify or REMOVE information found to be without the required certification of being physically verifiable in the validation of the information BUT ALSO if the information, TRUE OR NOT, is with deficient evidence of REPORTING COMPLIANCE ( even to the mandatory perfect XXXX XXXX FORMAT COMPLIANCE ) and or is missing such requisite testimonial document proof of certified compliance in full accordance of law ( s ). 
This document is my composed Demand to remove Inaccurate/and or NOT CERTIFIED COMPLIANT Credit Information, mentioned or not! I hereby demand that you disclose each and every document that you have in your physical possession as of this date regarding the accounts that you are reporting in my credit report. Please review YOUR RECORDS find the copy ( ies ) of my previously forwarded written demands to have unverified and not proven and por certified compliantly reported data and or accounts removed from my credit report. To date, you have willfully failed to provide me with any information that you are required to under my states or the applicable Federal Law ( s ). In answering these requests, please furnish all information, documents which are available to you, including, without limitation, all documents in the possession of your attorneys, accountants, affiliates, auditors, agents, employees, officers, directors, shareholders, contractors, or other personnel, and not merely such documents as are in your possession. If you can not respond to any of the following requests in full, after exercising due diligence to secure documents to do so, please so state, and respond to the extent possible, specifying all reasons why you are unable or unwilling to respond to the remainder, stating whatever documents you have concerning the unproduced documents, and what efforts you made to secure documents sufficient to allow you to respond fully to the particular request. Although one or more of the following requests and or demands may not appear to be applicable to or directed to you, please respond to each and every one of them to the extent that you are able and or required to provide any response thereto whether such response consists of documents within your own knowledge or what you have obtained from others. However, for every response in which you include documents received from others, please provide the exact name, exact address from which you received ( if any known address ), and any phone number from which you received documents and or information else wise related ( if any known phone number of the person or persons from whom you so received such documents ). And, in every such instance please state that you can not verify such of your own personal knowledge, identifying particularly the documents for which you can not vouch in testimonial FACT and/ or certify thereof. ADDITIONALLY, TO THAT DEMAND, I REQUEST that you Please provide a copy of my corrected and updated report once you have complied with the law. I request that you VERIFY the VALIDITY of all claims physically, CHECK for the factual and precise CERTIFIED COMPLIANCE OF REPORTING and REMOVE or MODIFY as needed any item ( s ) of derogatory allegation of which the PHYSICALLY VERIFIABLE VALIDITY and or the CERTIFIABLE COMPLIANT REPORTING is deficient or missing via willful derelict OR even if dereliction is due to ignorance. To collect any claim MUST be verifiably VALID, and to REPORT the alleged VALID COLLECT-ABLE derogatory information MUST be of a documented CERTIFIED COMPLIANT REPORTING, such as to the true, correct, complete, timely, and undeniably factually perfect XXXX XXXX FORMAT reporting compliance standards! VERFIFY PROPERLY BOTH the VALIDITY OF and PERFECT CERTIFIED COMPLIANT REPORTING OF all claim ( s ) and every aspect of claim ( s ) OR ELSE permanently REMOVE THE FOLLOWING DATA/ACCOUNTS and or the undocumented derogatory aspects of such data/accounts : REBUTTAL NOTATION : Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. Per My states reporting laws and the applicable federal standards of lawful reporting, ANY REPORTED ALLEGATION of delinquency and or derogatory of injury against a consumer MUST be documented as TRUE, CORRECT, COMPLETE, TIMELY, of accused consumers ownership and responsibility, fully valid, and irrefutably verifiable as such. ADDITIONALLY, even if true and valid, any claim of derogatory and injurious nature MUST BE REPORTED IN FULL COMPLIANCE, even to the mandatory true correct and complete XXXX XXXX FORMAT REPORTING COMPLIANCE and further be testimonial and CERTIFID AS being so or else claim ( s ) must be vacated permanently and immediately! DELETE NOW to be COMPLIANT!

Should this item of alleged account ( or account aspects ) of a reported delinquency and or derogatory condition be related to any alleged inquiry ( ies ) still yet unproven to hold the minimum mandatory document proof ( s ) thereby absolutely validating the physically verifiable written evidence of adequately achieved permissible purpose I demand that you immediately act to eradicate the accusations as unfounded and not currently compliant in its reporting, as is REQUIRED to report! Surely if unable to present undeniable physically verifiable proof of an items alleged delinquency ( ies ) and or derogatory ( ies ) as reported there exists ( LOGICALLY ) a concern and reasonable doubt as related to any linked allegation ( s ) of inquiry ( ies ) thereof as well! PLEASE WORK to Ensure the ethical, moral, adequately accurate, fully compliant reporting by your immediate willful modification ( s ) and or removals from reporting of any item or aspect of item ( s ), INCLUDING CLAIMS OF INQUIRY, that yet fail to meet the demonstrated requisites as mandatory, mentioned or not!

Notation : Please verify and validate all claims, every notation, dates and balances, whether reported or not. Remove immediately the unverified therefore invalidly reported CHARGE OFF claim. To date, no document proof of the physically verifiable validity of claim has been demonstrated nor offered. I am concerned with the reported data, please detail factually all aspects of claim, every notation, all dates and balances, source codes and personal identifiers, full 426-character P-segment with trailing factors, creditor classification code, XXXX, the 386-pieces to confirmate collection, and all requisite framents of reporting, mentioned or not.

Notation : Remove immediately the unverified therefore invalidly reported DEROGATORY CLAIM. The information reporting is one or more of being untrue, incorrect, incomplete, of not my ownership, of not my responsibility, not reported compliantly, or else wise is invalid deficient of physically verifiable document evidence of facts. Please verify and validate all claims, every notation, dates and balances, whether reported or not.

Notation : Remove immediately the unverified therefore invalidly reported claim that is significantly DEFICIENT REPORTED DATA. The information reporting is one or more of being untrue, incorrect, incomplete, of not my ownership, of not my responsibility, not reported compliantly, or else wise is invalid deficient of physically verifiable document evidence of facts. Please verify and validate all claims, every notation, dates and balances, whether reported or not. I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to- be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ).

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