Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FCRA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. 

I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction.

You have reported such information in my consumer credit report. I have numerous recipes of attempts to try to correct your mistakes PURSUANT to 15 USC 1681a ( 2 ) ( B ).

Each time Ive disputed these accounts you have them listed as Accurate and verified. You have only verified information never validated. IF you have of validated the information you would have followed federal laws and removed the violations long ago. Your in violation of the following 1681a ( d ) ( 2 ) ( I ), 1681a ( d ) ( 2 ) ( b ). Ive never given you written instructions to report certain accounts neither did you allow me time to decide whether or not I wanted such accounts to report. And if each account is accurate and verified that means youve violated 15 USC 1681a ( 2 ) ( B ). 

Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former XXXX XXXX XXXX ; the Trust Territory of the XXXX XXXX ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document. 

After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal.

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