Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Notice to all, I AM that I AM, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for surname / given name XXXX XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( collectively , `XXXX XXXX '' ) collects, assembles, evaluates, and reports " PERSONAL CONSUMER INFORMATION '' for monetary fees, dues or on a cooperative non-profit basis and is defined in 15 USC Chapter 41 as a credit reporting agency. According to 15 USC Chapter 41, Congress has found that XXXX, Trans Union, and XXXX have " ASSUMED '' a vital role in assembling and evaluating consumer credit and other information on consumers. Congress has found that consumer reporting agencies have developed an elaborate mechanism for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Congress has also found that " there is a need to ensure that XXXX, Trans Union, and XXXX exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's privacy. '' I AM aware and have proof that XXXX, Trans Union, and XXXX have developed XXXX Score credit algorithm ( software program ) which is a CONSUMER credit " scoring '' software program that is supposed to " predict '' credit worthiness. I AM aware and have proof that XXXX, through XXXX XXXX XXXX XXXX, a data acquisitions manager, has willfully deprived me of my right to accuracy in the reporting of credit worthiness, credit standing, credit capacity, character, and general reputation through the elaborate mechanism they have developed. I AM aware and have proof that in XX/XX/2017 XXXX, without my knowledge approval or consent was in possession of my personal identifiable information and through their negligent mishandling of my private data, my personal data and identifiable information was procured by data thieves in what became known as the XXXX Data Breach. I AM aware and have proof that XXXX had knowledge that the " Data Breach '' had been ongoing since XX/XX/2017, however they did nothing for six ( 6 ) weeks until XX/XX/2017. I AM aware that the Entity being " scored '' by the software algorithm is a CORPORATE FICTIONAL " PERSON '', no different than XXXX, Trans Union, or XXXX. I, the living Spirit administer, do public business, and operate in public through the d/b/a XXXX XXXX XXXX XXXX. I absolutely do NOT consent to data collection, storage, sharing or reporting without my prior express consent. If I do consent to reporting, the report MUST be accurate and complete in every aspect. XXXX, XXXX, and Trans Union MUST contact me for an authorized and approved credit report, and CEASE AND DESIST from reporting ANYTHING negative or derogatory henceforth. Attatched you will find my Administrative Operating Statement, Terms and Conditions of Engagement and Participation, and Administrative Fee Schedule.

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