Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Cfpb*****cfpb****cfpb****cfpb*****cfpb I am a human being, and this is not a duplicate file this is being submitted by XXXX XXXX XXXX XXXX XXXXand I am lodging a complaint and am REQUESTING THAT THE CFPB RESPOND TO MY COMPLAINT AS WELL AS A RESPONCE FROM THE ACCUSED TRANSUNION ** DESPITE NUMEROUS TIMES ADVISING TRANS UNION THAT XXXX XXXX XXXX FILE CAN BE LEGALLY REMOVED FROM MY CREDIT FILE OVER VIOLATIONS OF THE FCRA AND MY PERSONAL RIGHTS GAURENTEED TO ME UNDER THE FRCA AND THE FEDERAL FACT ACT!!!!! THE VIOLATIONS ARE AS FOLLOWS : **XXXX XXXX EMPLOYEE ADVISED IF I FOLLOWED HER INSTRUCTIONS ANS DID WHAT SHE ADVISED SHE WOULD NOT HAVE THE THE FILE LISTED IN A BAD MANOR , BUT IT WOULD ONLY SHOW AS PAID IN FULL **XXXX XXXX  EMPLOYEE DID THE EXACT OPPOSITE AND HAS HAD THE FILE LISTED AS CHARGED OFF, WICH IS MOT WHAT THEY AGGREED TO DO ** XXXX XXXX SAID IN A RESPONCE TO A COMPLAINT THAT THEY PERSONALLY LISTEN TO THE VOICE RECORDINGS AND FOUND NO XXXX TO MY CLAIM AND BY XXXX XXXX OPENLY DTATING HAVING REVIEWED THE RECORDINGS THAT ALLOWS ME TO FORMALLY REQUEST THOSE CALLS AND THAT THE CREDITOR MUST SUPPLY ME WITH THE EVIDENCE USED IN MAKING THEIR DECISION IN THE INVESTIGATION OR ***FOR THIS VIOLATION OF THE FRCA PROTOCALL THE FILE MAY BE LEGALLY DELETED ****XXXX  VIOLATED MY FCRA RIGHT WITH THIS *XXXX XXXX NOT PROVIDING EVEDENCE FORMALY REQUESTES MAKES THERE CLAIM OF A CHARGE OFF " VOID " THEREFORE ANY DATA PROVIDED BY XXXX  SHOULD BE DISREGAURDED AS UNVERIFIABLE BECAUSE THEY WILL NOT PROVIDE EVIDENCE THEY REVIEWED TO THE CONSUMER ***XXXX  HAS BEEN VIOLATING MY RIGHTS GAURENTEED TO ME BY THE FCRA AND THE FEDEEAL FACTS ACT BY SUPPYLING UNVERIFIABLE AND UNUSABLE DATA TO TRANSUNION ACCORDING TO THE FTC, FCRA, AND FACTS ACT THE ACCOUNT MUST BE DELETED FOR THIS OFFENCE **TRANSUNION HAS REPEATEDLY VIOLATED MY RIGHTS GAURENTEED TO ME BY THE FACTS ACT AND FCRA BY UPDATING FAULSE AND UNVERIFIABLE FATA, EVEN AFTER BEING ADVISED BY THE CONSUMER OF THE VIOLATIONS THAT XXXX XXXX  HAD COMMITTED ALONG WITH XXXX  XXXX XXXX THE FCRA GAURENTEES ME THAT NO DEBITOR OR CRA SHALL UPDATE FAULSE DATA TO MY CREDIT FILE, AND THE FACT ACT REQUIRES A REASONABLE INVESTIGATION BE COMPLETED TAKING INTO ACCOUNT INFORMATION AND CONCERNS PROVIDED TO THE CRA AND NOT JUST THE DATA FURNISHER, AND TRANSUNION HAS OPENLY IN THEIR RESPONCES TO MY DISPUTE IN NO MISSUNDERSTOOD WORDS STATES THE THEY ONLY UPDATE WHAT THE CREDITOR REPORTS TO THEM AND THE FACTS ACT STATES IN NO UNCERTAINTERMS THAT MY CONCERNS AND DISPUTES BE INVESTIGATED WITH THE CONSUMER IN MIND AND THEY ARE NO LONGER TO DISREGAURD THE CONSUMERS CLAIMS AS PREVIOUSLY WAS ACCEPTABLE. THE VIOLATION OF MY RIGHTS BY TRANS UNION MAKES MY REQUESTFOR DELETION A MUST .Transunion does not hold the RIGHT TO FOLLOW AND OBEY SELECTES PORTIONS OF THEIR GOVERNING BODY OF LAWS THEY ARE TO BE OBIDED BY BY CONSUMER, CREDITOR AND CRA AS A WHOLE.!!!!! TRANSUNION HAS SINCE XXXX CAUSED MY CREDIT FILE GREAT HARM IN PICKING AND CHOOSING WICH PARTS OF THE LAW THEY CHOOSE TO FOLLOW AND THERE IS NO SECTION OF ANY PART OF THE FACTS ACT OR THE FCRA OR THE CRA CREDIT LAWS THAT ALLOW THEM TO DO SO. I MOVE FOR IMMEDIATE DELETION OF THE CREDITOR FILE IN QUEATION ( XXXX XXXX ) I AM A HUMAN BEING THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT THE WORKING OF A CREDIT REPAIR COMPANY BUT IN FACT SELF WRITTEN BY XXXX XXXX XXXX XXXX And I as the sole owner of my credit file do not give permission for the XXXX XXXX XXXX TO BE UPDATED ANY MORE AT ALL I am stating for all to read that I never gave written or verbal permission for this to happen in the first place so being the human owner of my personal credit report/consumer file I demand the immediate removal of this account ( XXXX XXXX XXXX XXXX held in violation of my rights reciept of this complaint on the cfpb website by transunion acts and legally stands as acknowledgment and acceptance that any other action other than deletion is prohibited and will hold transunion by reciept in violation of federally granted consumer right punishable by damages in federal court and damages may be granted by cfpb no less than {$10.00} ] no more than $ XXXX repeat reciept of this complaint by transunion stands as legal acknowledgment and acceptance of my demands and statements that there is to be no other action on this credit file except deletion and updating the file is legally prohibited and transunion will be making an act of openly and willingly violating a consumers rights. I XXXX XXXX have claimed possession of my credit file as my own and shall demand prosecution if this reciept is violated XXXX has placed a initial fraud alert to my credit file as well as an extended 7 year fraud alert with out my written or verbal request and is violating my right siting policy well the fcra states that I must request those alerts to be placed on my file and I never did commit such an act the fcra far supercedes the private policy of any CRA AND THERE FORE I DEMAND THE IMMEDIATE REMOVAL OF THE FRAUDULANTLY PLACED ALERTS, TRANSUNION MAKES MONEY FOR EVERY LITTLE THING THEY DO, BUT PLACES FRAUDULANT ALERTS ON MY CREDIT FILE AND DEMAND I USE MH OWN RESOURCES TO SUPPLY THEM WITH DOCUMENTATION, IF I AM TO PROVIDE ANYTHING THEN I WISH TO BE COMPENSATED AS TRANSUNION IS FOR USING ITS RESOURCES IN PERFORMING TASKS HAD I EVERY COMMITED THE ACT OF ASKING FOR THESE ALERTS WICH I DID NOT I WOULD ACCEPT AND WELCOME THE OBLIGATION OF USING MY PERSONAL RESOURSEA TO PERFORM SAID TASK BUT BEING THEAE ALETES WERE PLACED UNLAWFULLY I SHOULD NOT BE EXPEXTED TO USE ANY OF MY OWN RESOURCES TO PERFORM ANY TASK THAT IS TO CORRECT ACTIONS TAKEN AGAINST ME FRAUDULATLY SO EITHER COMPENSATE ME FOR MY TIME AND RESOURCES AS TOU REQUEST OF THE CONSUMERS OR DO IT YOURSELF, ONCE AGAIN RECIEPT OF THIS COMPLAINT WARRANTS TRANSUNIONS ACCEPTANCE AND ACKNOWLEDGEMENT THAT THEY HAVE COMMITED SAID ACTS AGAINTS MY CREDIT FILE AND ACKNOWLEDGES THAT I AM THE SOLE OWNER OF MY CREDIT FILE AND HAURENTEES THE REMOVAL OF SAID ALERTS IMMEDIATLY RECIEPT OF THIS COMPLAINT IS TO STAND AS A LEGALLY BINDING AGREEMENT FOR THEM TO CORRECT THEIR FRAUDULANT ASSALTS AGAINST ME AND MY CREDIT FILE THANK YOU FOR YOUR COOPERATION IN FIXING YOUR MALICIOUS ACTIONS

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