Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! I have become aware of some mystifying still unknown credit inquiries on my credit report.I here now compel you to eliminate the ( se ) unlawful unproven claims versus me. This consumer complaint challenging the ( se ) allegation ( s ) is done so under various consumer protection laws and standards of practice, such as FCRA 611 ( a ) ( 7 ) which specifically mandates procedural description ( s ) utilized by you in the providing and obtaining this inquiry record, including if this was obtained by a third party Information Broker and thereafter sold to your firm. I have contacted EACH of the creditors behind these erroneous Inquiries and was informed that because the Inquiry was made via the internet, they have NO record of an application being made BY ME! I have been advised by attorneys that this inquiry record that you are reporting is a violation of the FCRA and the FDCPA and can not be reported. Please delete them immediately!

The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID.Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit Page 3 of 8 reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how eported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) All INQUIRIES are considered records of factual reporting and as such CERTAINLY have the specific requirements to be PHYSICALLY DOCUMENTED to be ADEQUATELY COMPLIANT. Any allegations of inquiries MUST be attestable to have be acquired via LAWFULLY obtained and executed PERMISSIBLE PURPOSE by the one and only and EXACTLY IDENTIFIED CONSUMER ACCUSED and or an agent AUTHORIZED to procure such a right. ANY CLAIMS that are NOT evidenced in testimonial PROOF can NOT be considered COMPLIANT and NO ENTITY can legally be DEFICIENT of compliance in their RIGHTS to report or even to RETAIN the allegations, the manner of which they reported it, the manner they RECEIVED the data, and exactly WHAT the data IS that's REPORTED. IGNORANCE of federal and or state mandates is NOT EXONERATION of reporting obligations and to do so beyond a challenge is a INJURIOUS INFRACTION of reporting regulations and likely INFRINGING action ( s ) upon consumer and or civil rights otherwise. Further, CONTINUED MIS-REPORTINGS of federally obsolete and or NOT COMPLIANT data, be it true or not, be it accurate or not, is such that SHOULD there be resultant fraud the VIOLATORS might in fact be considered to be CRIMINALLY NEGLIGENT for their possible ENABLEMENT of IDENTITY THEFT. RETURN TO or RETAIN federally REQUIRED REPORTING COMPLIANCE TODAY, even RIGHT NOW by IMMEDIATELY acting appropriately to ANNUL any and all aspects of the adverse and or derogatory information that is UNPROVEN per the FCRA and METRO 2 standards of REPORTING LAW.

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