Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, I am contacting you after numerous disputes pertaining to my credit file in regard to your business. Now I will start by saying that I am a consumer and natural person and am fully aware of my federally protected rights under Title 15 chapter 41 against your business.

I have filed a complaint with CFPB which you have closed claiming that you will conduct investigations into the XXXX  things you are illegally placing on my credit file without my consent and without validation, but you continue to impede with accounts and inquiries on my credit file which is XXXX.

Furthermore, you have been XXXX  making claims that you have validated debts but have failed to send proof of validation for alleged debts you have listed on my credit file. Under federal law I have the rights to ask for a description of your investigation showing who you contacted to validate the alleged debts and accounts on my credit file which you have failed to provide. If you are not aware of federal laws you are in violation of my federal protected rights. You have failed to provide proof that I consented for anything to be listed on my credit report and credit file this a federal XXXX  charge.

15 USC 1681a ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Where are your records of interviews? By law I can request these.

Where is your proof that I consented for your non government or non federally regulated for profit corporation to report anything under my name and social security number? Where is the federal law that gives permission for your for profit corporation to create a profile under my information?

I am now fully prepared to bring a federal lawsuit, lein and investigation against the organization Transunion for Fraud and terroism on my credit profile in which I have not given consent for your company to report anything under my name, social security number, address or anything pertaining to my existence as a natural person. You are not a government agency nor are you governed by the federal government. You are a private for-profit agency who is committing fraud under my name and social security number. You are not exempt from following federal laws including FCRA and title 15 usc under the federal government.

Each violation constitutes a {$1000.00} fine. I have provided your Attorney General ( of your headquarters ) XXXX XXXX a complete correspondence of your corrupt XXXX  on my accounts. 

I am willing to settle outside of a lawsuit however, failure to settle in agreement will result in immediate filing against your for profit corporation under my jurisdiction as a federally protected consumer and natural person.

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