Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX Dear Sir and Madam : I, XXXX XXXX XXXX ( Complainant ) had attempted on a few occasions to login into my online official Trans Union LLC ( TransUnion ) Credit Monitoring account web application for which, I have a monthly payment subscription fee of {$19.00} per month ; in order for me to retrieve my monthly billing statements ( See Exhibit A ), credit scores and credit file reports. However, after, I had attempted to login into my online official TransUnions Credit Monitoring account web application twice then I had received an error messages for each login attempts dated on XX/XX/XXXX. Afterward, when I had tried to login into my online official TransUnions Credit Monitoring account web application for which, I have had for more than three decades. Now, my online official TransUnions Credit Monitoring account web application has been unlawfully and temporarily suspended without me receiving any online official alerts or notifications to why, TransUnion had unlawfully and temporarily suspended my online official TransUnions Credit Monitoring account web application sent to my personal email account, XXXX are as follows : Credit Monitoring Just Keeping you in the know. 

Dear XXXX, In order to protect your privacy, weve temporarily suspended access to your account because we were unable to validate your information. See Exhibit B1 at XXXX and Exhibit B2 at XXXX. 

So, I had decided to contact TransUnions telephone customer service representative by ways of their telephone number, XXXX then the TransUnion voice prompt have me to verify my identity with three questions for which, one of those question had been intentionally and falsely misrepresented my [ full ] legal name, as XXXX XXXX ( for which, XXXX XXXX is not my legal name, my legal name is XXXX XXXX XXXX XXXX. And I was forced to select the correct answer to what state did XXXX XXXX lived in which is/was unlawfully, intentionally, knowingly, and willfully matched, mapped, linked, or connected to my authentic Personal identifier Information ( PII ) which is either, matched, mapped, linked, or connected to my online official TransUnions Credit Monitoring account number web application. When TransUnions employee [ s ] had unlawfully, intentionally, knowingly, and willfully known that/those person [ s ] who had subscribed by a fictitious name [ s ] without proof or evidence was/were allowed by TransUnions employee [ s ] which had allowed that/those fictitious named person [ s ] to gain unlawfully accesses to my online official TransUnions Credit Monitoring account web application for no apparent reasons. In which, I had selected none of the above for my question answer from the voice telephone prompt, as my selected option choice. 

After, I had successfully answered TransUnion three prompt verification questions then I was telephone connected to the TransUnions telephone representative named, XXXX XXXX XXXX ) who had not successfully helped me to retrieve my online official TransUnions Credit Monitoring account web application. After, I had legally verified my [ full ] name, date of birth, address, and telephone number to XXXX from our telephone communications with one another. However, I had refused to give XXXX my full social security number over our telephone call communications, but I did provide XXXX with my last four digits of my social security number ; in order for me to reclaim legal accesses to my online official TransUnions Credit Monitoring account number web application. Also, I had explained or communicated to XXXX, I had not made any login typing errors into either the username or password fields because I had always successfully logged into my online official TransUnions Credit Monitoring account web application. Since, I had legally changed my password dated on XX/XX/XXXX, and the last time, I had successfully logged into my online official TransUnions Credit Monitoring account web application dated on XX/XX/XXXX. However, XXXX had persisted and falsely accused me of causing my temporarily suspension to my online official TransUnions Credit Monitoring account web application after three attempts when I had only made two attempts in which the evidence were sent to my personal email account, XXXX that shown my online official TransUnions Credit Monitoring account web application was already temporarily suspended prior to me attempting to login into my online official TransUnions Credit Monitoring account web application. See Exhibits B1 and B2. 

So, XXXX had stated, she can reset my online official TransUnions Credit Monitoring account web application by sending me a temporary password to my personal email account, XXXX and using my username. In order for me to login into my online official TransUnions Credit Monitoring account web application which had presented five unsuccessful login attempts that always had resulted in a TransUnion system generated email message sent to my personal email address, XXXX which had stated, my online official TransUnions Credit Monitoring account web application was still temporarily suspended from XXXX instructions are as follows : 1. XXXX had sent me the temporary password, XXXX to my email account, XXXX at XXXX, see exhibit C1 then 2. I had received an email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C2.

3. XXXX had to reset my online official TransUnions Credit Monitoring account web application a 2nd time then I was told by XXXX to reenter the same temporary password, XXXX sent to my email address, XXXX into the TransUnion login webpage again then 4. I had received the 2nd email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C3. 
XXXX. XXXX had to reset my online official TransUnions Credit Monitoring account web application a 3rd time then I was told by XXXX to reenter the same temporary password, XXXX sent to my email address, XXXX into the TransUnion login webpage again then 6. I had received the 3rd email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C4. 
XXXX. XXXX had to reset my online official TransUnions Credit Monitoring account web application a 4th time then I was told by XXXX to reenter the same temporary password, XXXX sent to my email address, XXXX into the TransUnion login webpage again then 8. I had received the 4th email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C5. 
XXXX. XXXX had to reset my online official TransUnions Credit Monitoring account web application a 5th time then I was told by XXXX to reenter the same temporary password, XXXX sent to my email address, XXXX into the TransUnion login webpage again then 10. I had received the 5th email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C6. 

After, all my attempts to regain legal access to my online official TransUnions Credit Monitoring account web application through TransUnions login webpage than I had requested to XXXX to transfer my telephone call to the TransUnion customer service representatives manager. However, before XXXX had transferred my TransUnion telephone call to the customer services representatives manager than XXXX had stated, I HATE TALKING TO YOU XXXX. So, I had responded to XXXX who had utilized or used her narrative oratorial piece or speech with added XXXX epithet phases on our telephone call communications with one another than I had stated in a form of a question to XXXX, what did you say to me then XXXX had quickly transferred my telephone call to her TransUnion customer service representatives manager without her answering my question only she had repeatedly saying I am trying to help you while XXXX was transferring my telephone call to her TransUnion customer service representatives manager. 

Subsequently, I was transferred to the TransUnion customer service representatives manager named XXXX XXXX XXXX ) who also had wanted me to verify my identity over our telephone call communications, and I had provided to XXXX with my appropriate PII except for my full social security number to which, I had only provided to XXXX in our telephone communications with one another. My last four digits of my social security number for verification. And, XXXX had started to investigate into why, I could not login into my online official TransUnions Credit Monitoring account web application which was unlawfully and temporarily suspended problems without me receiving any legal petition, summon or court order from Transunions for their Prima-Facie evidence premises problems for that/those person [ s ] who had subscribed by a fictitious name [ s ] without proof or evidence representations from any judiciary court system. In who actual own my TransUnions Credit Monitoring hard and soft account, and to why my online official TransUnions Credit Monitoring account web application was unlawfully and temporarily suspended was most likely based on a Bad Man Theory legal Prima-Facie premises were subscribed by a [ n ] fictitious, similar, or exact name [ s ] person [ s ] who had intentionally changed his/her legal name [ s ] to my [ full ] legal name ( XXXX XXXX XXXX or XXXX XXXX who [ m ] has/had unlawfully, intentionally, knowingly, and willfully trafficked in false or actual identification documents, authentication features or identification cards properties by means of negligent, false, and fraudulent misrepresentations statements to TransUnion ; in order to gain unlawful accesses to my TransUnion Credit File Account and Report without my lawful authority. And, XXXX did not know why, I could not login into my online official TransUnions Credit Monitoring account web application. 

In addition, XXXX had sent me a temporary password, XXXX to my personal email account, XXXX at XXXX, see exhibit D1 then I had received an email message to my email personal address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit D2. So, XXXX had told me to stay on our telephone call frequency while I am on hold, so, she can do more research and when XXXX had returned to my held telephone call left onto the hold position. And, XXXX had stated to me that my legal date of birth had been changed without me receiving any notification from TransUnions furnisher because TransUnion had supposedly has some type of technical programmatic coding problems with their system which had caused them to have online TransUnions Credit Monitoring services product problems. Therefore, XXXX had provided me with a case number, XXXX then XXXX had stated to me that I should receive a telephone call from their technical support department within seventy-two hours with regards to my online official TransUnions Credit Monitoring account web application being temporarily suspended problems and my telephone call communication with XXXX, the TransUnion customer service representatives manager had ended at approximately XXXX dated on XX/XX/XXXX. 

As a results, it had been more than two-hundred and sixty-four ( 264 ) hours or eleven ( 11 ) days, since, I had verbalized my legal complaint to TransUnions customer service representative ( XXXX ) and her manager ( XXXX ) with respect to my online official TransUnions Credit Monitoring account web application being unlawfully and temporarily suspended problems. And, as of todays XX/XX/XXXX, I had not received any telephone call from TransUnion. 

Afterward, I had immediately ordered, my Transunion Credit File Report hardcopy by ways of the Free Annual Credit Report from their prompt messages instructions telephone toll-free number at XXXX was successfully submitted dated on XX/XX/XXXX. And, on XX/XX/XXXX, I had received from the United States Postal Service ( USPS ) informed delivery, the photograph image of my TransUnions envelope sent to my personal email address, XXXX that I will received into my residential mailbox number, XXXX. See Exhibit E. And, on XX/XX/XXXX, I had gone to the common area foyer which is in my apartment building ; in order for me to retrieve my mail letters items from my residential mailbox number, XXXX including the TransUnions letter envelope. However, as, I had reached the 2nd floor to my apartment unit, XXXX, one of my tenant with a male voice had shouted through his apartment unit door or walls and said, WE NEED A COPY OF YOUR SOCIAL SECURITY CARD AND YOU WILL EVENTUALLY FIND OUT THAT TRANSUNION LETTER IS FAKE AND SUBSTITUTED FOR THE ORIGINAL TRANSUNION CREDIT REPORT. So, when I had returned to my apartment unit XXXX, I had immediately opened my TransUnion letter sent by ways of the USPS facilities jurisdiction ( see Exhibits F1 and F2 ) for which, I had thought my TransUnion letter was my weekly Free Annual Credit Report. I had ordered from TransUnion through their telephone toll free number, but normally, I will order, my TransUnion credit reports through their Annual Credit Report online website than I would printout a copy to my printer, as an official copy. Instead, I had received a fraudulent letter from a fictitious person or party claiming to be TransUnion in which, the TransUnions letter appears authentic when it is not authentic TransUnions letter indicating TransUnion needed Proof of my Social Security Number, as my neighbor had actual stated herein, what was in the contextualized contents of the fraudulent TransUnions letter he had been correct. 

As a result, I had immediately accessed my online TransUnions credit report dated on XX/XX/XXXX, at approximately XXXX then I had officially opened my TransUnions credit report online and I had printed out an official copy of my TransUnions credit report through the free weekly Annual Credit Report website. In order for me to verify the legitimacy of the fraudulent TransUnions letter which was sent to me by ways of the USPS jurisdictional facilities for requesting a copy of my social security card. Please keep in mind that TransUnions software system for their client-side and database that contains all debtors reported activities from the furnishers or parties must contain the same details. I have referred this, as the IT Developers website and database client and server sides compliance requirements of a matching principles application. In order words, the fraudulent TransUnion contextualized content details letter sent by ways of the USPS facilities jurisdiction should have matched to my online access of my TransUnions free weekly credit report database file, as an IT compliance matching principle requirements. And, the fraudulent TransUnions letter sent by ways of the USPS facilities jurisdiction to my residential mailbox, XXXX and my online official TransUnions Credit Monitoring account web application which was unlawfully and temporarily suspended did not match to my online TransUnions free weekly credit report database file. In which, I had officially printed out, my TransUnion credit report without any problems that should have indicated, my online TransUnion credit file account is temporarily suspended, as well, but it did not. Now, the fraudulent TransUnions letter in which, I had received into my residential mailbox number, XXXX is confirming my suspicion questions of the TransUnions letter actual legitimacy and authenticity or else, I would have received the same TransUnion temporarily suspended message from my online TransUnion free weekly Annual Credit File Report website. Therefore, the question remains who [ m ] is/are involved in the [ identity ] theft of my official and original TransUnions free weekly Annual Credit Report for which, I had ordered by ways of the TransUnion telephone toll-free number at XXXX dated on XX/XX/XXXX, which was unlawfully, intentionally, knowingly, and willfully substituted with a fraudulent TransUnions letter which was delivered to my residential mailbox number, XXXX by ways of the USPS facilities jurisdiction? 

In XXXX, I had discovered similar problems with my old student loan debts for which, identity thieves had unlawfully, intentionally, knowingly, and willfully stolen approximately {$16000.00} from my personal bank checking account than sent me fraudulent United States, Department of Education ( USDoE ) confirmation letters through an official USPS facilities jurisdictions that my student loans payments were received and deducted from my student loans accounts from a fictitious named, person [ s ] or party [ ies ] claiming to be the USDoE from XXXX to XXXX, and those fictitious named, person [ s ] or party [ ies ] never paid my student loans bills. In which, those fraudulent letters also look like legitimate letters, and when I had verified my student loans account balances through the official online USDoE website, no principle or interest were never applied to my official student loans account that how I had discovered the mail and wire fraud problems against my economic stability and civil rights or liberty problems by ways of the USPS jurisdictional facilities from fraudulent debt collection problems. 

In addition, I am extremely suspicious when I make any outwardly telephone calls such as, to the TransUnions customer services representative that my telephone calls are unlawfully and intentionally being intercepted by an unknown third parties which had pretended to be TransUnion who are involved in identity thefts methods or schemes because nothing never get resolved causing me to be inflicted with Human Rights problems against my own TransUnion credit file account from these intercepted telephone calls pretending to be TransUnion. And, I am forced to formally file a legal complaints to the CFPB in order to resolved my online TransUnions credit file account identity thefts problems by a fictitious named, person [ s ] or party [ ies ]. 

I am highly suspicious and unnerved from my continuous violations problems with either conspiracy against my rights or civil liberty rights problems or enforced compulsory conditions of servitude problems against my online TransUnions Credit Filed account, reports and scores within the USPS facilities jurisdictions. This also includes tenant [ s ] who lives at my XXXX XXXX XXXX complex who [ m ] have participated in a said collaborated efforts to steal my personal and official TransUnions Credit File Report [ s ] which [ may ] have been unlawfully replaced with the fraudulent TransUnions letter into my residential mailbox number, XXXX. In order to disguised unlawful identity thefts collaborated actions against me between the USPS employee [ s ] and XXXX XXXX XXXX tenants. In order for them to escape prosecutorial consequences in a XXXX XXXX XXXX applications which had applied unlawful, intentional, knowing and willful trafficking in false or actual identification documents, authentication features or identification cards properties without my lawful authorities in order for them to obtain forged rental apartment contractual agreements and/or employments using my authentic TransUnions credit reports sent by ways of the USPS facilities jurisdiction than substituting my authentic TransUnions credit reports with fraudulent letters. 

XXXX XXXX XXXX Legal Analysis of her Official TransUnions Online Credit Monitoring Account being Unlawfully and Temporarily Suspended in Violations of the FCRA are as follows : TransUnion is Withholding Notifications : Now, I am experiencing unlawful and temporarily suspension into my online official TransUnions Credit Monitoring account web application in accordance with the Fair Credit Reporting Act ( FCRA ), and I am legally entitled to know how my TransUnion credit file information is reported, handled, and used by TransUnion and their analytical team. In addition, TransUnion may be withholding legal notices of any fraudulent applied creditor [ s ] and PII modifications to my online official TransUnions Credit Monitoring account web application by ways of failing or refusing to send me those notifications of inaccuracies and negative credit information when it is used to make my credit decision for which, I had the rights to legally dispute, TransUnion. So, the bottom line is TransUnion is not letting me know how my online official TransUnions Credit Monitoring account web application is being used is a violation of the FCRA. 

TransUnion had Violated My Privacy Rights : TransUnion has/had violated my privacy right after, TransUnion had unlawfully handed over my online official TransUnions Credit Monitoring account web application either to : 1. a person [ s ] who had subscribed by a fictitious named, or 2. a person [ s ] who had unlawfully, intentionally, knowingly, and willfully changed his/her legal name [ s ] to my [ full ] legal name ( XXXX XXXX XXXX and/or XXXX ) XXXX in order for the fictitious named, person to gain unlawful accesses to my TransUnion Credit File Account, Reports and Scores , or 3. a person [ s ] who had unlawfully subscribed by a fictitious name [ s ] had unlawfully, intentionally, knowingly, and willfully forged my legal name and signature [ s ] onto an official or fraudulent notarized instrument [ s ] by ways of those collections of a [ n ] Powers of Attorney, Affidavits and/or Waived Rights documents without my lawful authorities. When the fictitious named, person [ s ] and/or party [ ies ] would not have any legal authorization and jurisdictions to my personal TransUnions credit file account, reports, and scores. And, if TransUnion had been found sharing my TransUnions credit file account, reports, and scores with an unauthorized person [ s ] or party [ ies ] than TransUnion had violated my protected rights to privacy under the FCRA. So, the bottom line is, only certain parties are entitled to my online official TransUnions Credit Monitoring account web application, and TransUnion who is providing my information to unauthorized person [ s ] or party [ ies ] had violated my legal rights to privacy under the FCRA. 
Unauthorized Parties are Requesting my TransUnion Credit File Reports for an Impermissible Purposes : TransUnion may have violated the FCRA, if TransUnion has/had supplied, my online official TransUnions Credit Monitoring account web application to a fictitious named, person [ s ] or party [ ies ] for impermissible purposes. What does impermissible purposes mean which would include an employer who had unlawfully pulled my TransUnion credit file information, reports, and scores without my written permissions and lawful authorities or a creditor had unlawfully pulled my TransUnion credit file information, reports, and scores to check on my current financial status for no provided reasons such as, a recent application for a new credit card that I had not authorized. So, the bottom line is, for that/those person [ s ] or party [ ies ] who had subscribed by a fictitious name [ s ] who had requested my TransUnions Credit file account information, reports and scores needed a valid reasons for doing so, and TransUnion may have not ensured a fictitious named, person [ s ] or party [ ies ] reasonings most likely has/had valid violated the FCRA. 

TransUnion Had Mixed My Online Official TransUnions Credit Monitoring Account with Another TransUnion Person : TransUnion has/had most likely mixed my online official TransUnions Credit Monitoring account web application with that of another TransUnions debtor [ s ] person who shared similar PII information, as my legal PII such as, my [ full ] legal name, date of birth, address, and social security number for which, my date of birth, address, and social security number should have not been duplicated because it is associated with my name and TransUnions Credit File Account only , and so on, and not with another TransUnions debtor [ s ] person [ s ]. However, if this have occurred under TransUnion legal jurisdiction than TransUnion had violated their obligations to report my accurate credit file information, reports, and scores about me. Furthermore, when I have submitted my legal dispute [ s ] to TransUnion regarding my online official TransUnions Credit Monitoring account web application which has been unlawfully and temporarily suspended without me receiving any online official alerts or notifications to why or accuracy questions than TransUnion must respond to my official telephone call communication [ s ] or online dispute [ s ] in a certain ways. In which, TransUnion must conduct a reasonable investigation of my disputes, modifications and correction that are found inaccurate information into my TransUnions Credit File Account information, and TransUnion must remove my disputed items from my TransUnions Credit File Account information, report, and score within thirty ( 30 ) to forty-five ( 45 ) days after receiving my dispute notification [ s ]. So, the bottom line is, TransUnion must respond to my TransUnions credit file account that was unlawfully and temporarily suspended dispute in a certain ways, and when TransUnion did not follow those procedures dated on XX/XX/XXXX, than TransUnion have violated the FCRA. 

TransUnion May Perhaps Furnishing and Reporting Inaccurate Information into My Online Official TransUnions Credit Monitoring Account : Much like credit card companies, TransUnion should not intentionally, knowingly, and willfully supply incorrect information into my online official TransUnions Credit Monitoring account web application than unlawfully and temporarily suspended my online official TransUnions Credit Monitoring account web application. In order for TransUnion to hide fraudulent activities and PII modifications that would have shown up into my TransUnions Credit File Account information. So, the bottom line is, TransUnion should have not given my TransUnions Credit File Account information for which, TransUnion should have known or knew is/are untrue or inaccurate. 

Now, I feel, as if, I am intentionally deprived from my intangible rights of a honest services to received my online official TransUnions Credit Monitoring account web application to which I have paid a monthly subscription without unwarranted searches, constant human practical errors or programmatic technical coding glitches, fallacies changes or modifications from a fictitious named, person [ s ] or party [ ies ] with no probable causes for TransUnion continuous interferences, hinderances or impediments of my online TransUnions credit file account legal jurisdictions which are protected by the FCRA. 

I have not legally or officially changed my full legal name, XXXX XXXX XXXX, social security number, and date of birth ( XX/XX/XXXX ) in any judiciary court system. So, why is my PII always coming up a problem with my online official TransUnions Credit Monitoring account web application monthly paid subscription? And, I had also attempted to retrieve my online official TransUnions Credit Monitoring account web application from the forgotten password webpage interactive feature when I had submitted my appropriate information into the input fields than the TransUnion forgotten password web page had returned to the original TransUnion forgotten password web page with an empty input fields, again.

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