Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Part A : Provide a brief description of the complaint including dates and the names of those you dealt with.

( Do not include any personal information such as account number or social security numbers. ) On XX/XX/2020, I had filed a formal compliant with the Consumer Financial Protection Bureau ( CFPB ) and, I was assigned by the CFPB complaint number as, XXXX. After, I had discovered onto my XXXX XXXX XXXX XXXX ( XXXX  ) Credit File Account in the Soft Inquires category or section with an ascribed abbreviation word as, XXXX doing business as, XXXX XXXX XXXX XXXX ( XXXX XXXX ) had unlawfully accessed my frozen XXXX  Credit File Account dated on XX/XX/2020 without my legal authorizations, consents, acknowledgements, or knowingly and willfully participations into a said fictitious notarized instruments in order for XXXX XXXX to unlawfully distribute to any consumers a XXXX XXXX VISA debit cards using my Personal Identifiable Information ( PII ). In which, I had not applied for any XXXX XXXX VISA products applications online using their web application ( XXXX ). See Exhibit A. 

On XX/XX/2020, I had received a letter from XXXX XXXX   XXXX. ( NMLS # XXXX ) by way of the United States Postal Service ( USPS ) mailed delivery letter placed into my residential mailbox, XXXX, in response to my CFPB complaint associated with my CFPB assigned number ( XXXX ) from XXXX XXXX who is a Certified Regulatory Compliance Manager ( CRCM ) and, a Certified Anti-Money Laundering Specialist ( CAMS ) from a working job title as, Compliance Officer. And, Ms. XXXX contextualized content of her letter including her telephone communication with me at approximately from XXXX XXXX  to XXXX XXXX  was not well-defined in explaining XXXX XXXX  XXXX. formal legal relations to the second ( XXXX ) enclosed letter from XXXX XXXX is as follows : XXXX XXXX  is in receipt of your complaint. Please see the attached response. See Exhibit B. 

And, the second ( 2nd ) enclosed letter from XXXX XXXX had stated : XXXX XXXX XXXX, XXXX ( XXXX XXXX ) has no record of Ms. XXXX in our system of record. Further, XXXX XXXX does not perform soft or hard inquiries of credit as part of its business operations. It is XXXX XXXX belief that the XXXX  that appears on Ms. XXXX credit report is a company that was acquired by TransUnion, the credit reporting agency. When contacted directly by Ms. XXXX on XX/XX/2020, we informed Ms. XXXX of this confusion and suggested that she contact TransUnion to resolve the matter ; written by XXXX XXXX who is the Vice President, General Counsel and Chief Compliance Officer ( CCO ) of XXXX XXXX. See Exhibit C.

In the XXXX XXXX letter written by Ms. XXXX had under mindedly and intentionally applied with an extraordinary cruel and unusual conspiratorial objectives in using the wrong Credit Reporting Agency legal name as, TransUnion Inc ( TransUnion ) instead of XXXX  legal name when I had officially documented onto my original complaint to the CFPB who had addressed my complaint to XXXX XXXX in regards to XXXX  who had ran XXXX, short abbreviation as a soft inquiry onto my [ frozen ] XXXX Credit File Account unlawfully dated on XX/XX/2020 is a sign of fraudulent activities concealment and identity thefts coverup between XXXX XXXX and XXXX XXXX XXXX. who [ m ] had used my PII, or XXXX XXXX and XXXX XXXX  XXXX. had allowed an assailant [ s ] to  subscribed by a fictitious names and forge [ d ] my signature [ s ] onto a notarized instrument [ s ] by ways of a [ n ] Power of Attorneys and [ or ] Affidavits. And, the [ se ] assailant [ s ] had executed the [ se ] instrument [ s ] without my authorizations, consents, acknowledgments, or knowingly and willfully participations into a said XXXX  access [ es ] to my [ frozen ] XXXX  Credit File Account using my PII and [ or ] forged and fraudulent notarized instruments. 

Furthermore, on or about the same time of reference dated on XX/XX/2020, I had difficulty logging into my TransUnion Credit File Account at approximately XXXX XXXX and, I had contacted TransUnions telephone representative at XXXX in regards to why I could not log into my online TransUnion Credit File Account. After, I had explained to the TransUnions telephone representative then I was suddenly connected from our call then I had call TransUnions telephone representative, again. This time, I was connected to the TransUnions telephone representative name, XXXX at approximately XXXX am dated on XX/XX/2020 and, I had explained to XXXX ( the TransUnions telephone representative ) in regard to my login TransUnion Credit File Account  problem. And, our communication lasted approximately twenty-three ( 23 ) minutes and, on this day, XX/XX/2020 when XXXX XXXX had unlawfully run my Credit File Account. However, I am not exactly sure, which Credit Reporting Agencies had compromised or breached my Credit File Accounts either XXXX  or TransUnion, or both who [ m ] had unlawfully ran the XXXX  short abbreviation onto my Credit File Account dated on XX/XX/2020. Whether TransUnion unlawfully unlocked and ran my [ frozen ] TransUnion Credit File Account then XXXX short abbreviation had shown up onto my XXXX  Credit File Account, as a soft inquiry, or XXXX  unlawfully unlocked and ran my [ frozen ] XXXX Credit File Account then XXXX short abbreviation had shown up onto my XXXX  XXXX XXXX Account, as a soft inquiry. 

In addition, another strange incident or event had occurred in the month of XX/XX/XXXX and, in the year of XX/XX/2020, after, I had applied for an XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX credit card online application from their XXXX website. And, I had been denied a Blue Cash Everyday credit card from the XXXX XXXX for : No undisputed tradelines exist with a status date or a balance within the last 6 months, dated on XX/XX/2020. So, I had decided to apply for an XXXX XXXX XXXX XXXX XXXX credit card, again, in XXXX of 2020 because I had been told by the XXXX XXXX XXXX representative. After, I had been denied on XX/XX/2020 that XXXX XXXX process consumer online application using two ( 2 ) out of the three ( 3 ) Credit Reporting Agencies in order to determine consumers credit worthiness. So, in XXXX of 2020, I had applied online for an XXXX XXXX XXXX XXXX XXXX credit card, again and, I had unlocked only my two ( 2 ) out of the three ( 3 ) Credit Reporting Accounts, as I was told from my communication with an XXXX XXXX Telephone Representative dated on XXXX XXXX. As, I am applying for the XXXX XXXX XXXX XXXX XXXX credit card online, I had contacted the XXXX XXXX telephone representative to ensured my XXXX XXXX XXXX XXXX XXXX credit card online application goes smoothly during the XXXX XXXX online process. Well, I had been told by the XXXX XXXX XXXX representative in which, I needed to unlock my third ( 3rd ) Credit Reporting File Account in order to be approved for the XXXX XXXX XXXX XXXX XXXX credit card. However, I do believe it was TransUnion Credit File Account, I had unlocked but I am not too sure, which of the three ( 3 ) Credit Reporting File Accounts, I had unlocked last because someone had unlawfully trespassed against my apartment unit ( XXXX ) and, stolen all my XXXX XXXX online application supported printouts, mailed documentation from the XXXX XXXX sent by way of the USPS and deleted all of my XXXX XXXX XXXX files saved onto my USB associated with my online XXXX XXXX XXXX for no apparent reasons. Please keep in mind, I am an IT developer ( Student ) and, I had experienced onto my TransUnion Credit File Account from my first ( 1st ) XXXX XXXX online application was only process once dated on XX/XX/2020, onto the inquires alert notification section of my TransUnion Credit File Account but someone possibly a TransUnions employee [ s ] and [ or ] affiliate [ s ] had recently changed, manipulated or altered my actual online TransUnion Credit File Data from the server-side web application. In order to hard code onto my second ( 2nd ) XXXX XXXX online application processed on XXXX of 2020, masked or overwritten, as XX/XX/2020 date, as if, my XXXX XXXX online application had been processed on a multiple attempts ( four ( 4 ) times ) from XXXX of 2020 date to XX/XX/2020 date manipulations when I had applied for an XXXX XXXX XXXX XXXX XXXX credit card applications for a second ( 2nd ) time and, I had been denied an XXXX XXXX XXXX XXXX XXXX credit card in XXXX of 2020. 

Now, I am extremely suspicious that there may be an XXXX XXXX XXXX XXXX XXXX credit card [ s ] or any other XXXX XXXX products distributed unlawfully as a [ n ] public domain and [ or ] open source credit/debit cards issued to the [ se ] assailant [ s ] using my PII without my authorizations, consents, acknowledgments, or knowingly and willfully participations into a said XXXX XXXX conspiracies against my XXXX  and [ or ] TransUnion Credit File Accounts. In a non-compliance disclosure violation in accordance with the Fair Credit Reporting Act ( FCRA ) onto my Credit File Accounts. In order to conceal identity theft acts and activities similar to XXXX XXXX assailant [ s ] who [ m ] had subscribed by a fictitious names and forge [ d ] my signature [ s ] onto a notarized instrument [ s ] by ways of a [ n ] Power of Attorneys and [ or ] Affidavits for a XXXX XXXX VISA prepaid  debit card [ s ] applied against my Credit File Accounts details used for assailant [ s ], as an approval process. When, I am the authentic person who had [ have ] suffered extreme serial harassments and privacy  rights problems on a continuous violations doctrine from a scientific law application in those analyzes and interpretations of the law have shown I have experienced a XXXX of justice. After, some Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] with a malice aforethought in premeditated criminal intents because I do not conform  to XXXX XXXX  appearances, XXXX XXXX, or stereotypes against my traditional gender norms should look or behave. And, I had been denied using my authentic online application [ s ] because he or she knowingly and willfully knew the [ se ] assailant [ s ] were not the original persons by allowing me to be denied any credit card [ s ] and [ or ] mortgage approval opportunities inconspicuously because the [ se ] assailant [ s ] held those credit/debit card [ s ] using my legal name and PII. In order to allowed assailant [ s ] to received credit/debit card [ s ] and [ or ] mortgage approval opportunities had unlawfully used my Credit File Accounts details. After, I had been denied, as being the original person then some of the [ se ] Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] had changed, manipulated or altered my Credit File Accounts details in order to conceal any credit/debit card [ s ] and [ or ] mortgage approval inquiries from a forged and fraudulent activities that should have been shown onto my Credit File Accounts details. In a non-compliance disclosure violations than I am credit worthy oppressed, disenfranchised and disproportionately affected from credit opportunities due to some of the [ se ] Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] had intentionally allowed an assailant [ s ] to commit identity thefts, aiders and abettors, false  impersonations, or inconspicuously let the [ se ] assailant [ s ] to take over my Credit File Accounts by ways of credit/debit card [ s ] forged and fraudulent activities concealments not documented onto my Credit File Accounts details on the basis of what a person thinks of me and, some of the [ se ] Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] had deleted or hidden those credit/debit card [ s ] and [ or ] mortgage approval applications from my Credit File Accounts details. In order to conceal foul play and identity thefts against my Credit File Accounts details in a hidden agenda to be use as a [ n ] public domain and [ or ] open source for the [ se ] assailant [ 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