Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
notice i claim harm by way of trespass and privacy rights YOU BROKE THE LAW You are in violation of the following subsection of the FCRA 15 USC 1681. Before I proceed, I would like to make it clear to your company and those in position of authority at your company that congress makes it clear that the banking system is dependent upon my consumer report being fair, and accurate to me because I was never notified when this inaccurate information was furnished and I was never notified during your companies initial investigation that you were going to report this inaccurate information pursuant 15 USC 1681 ( a ) ( 1 ). This grave error has undermined my confidence in your company 's procedures as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism this controversy that your company has caused me harm to my property and has ruined my reputation and it has adversely affected my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assume this vital role you were not giving this role you were also not giving express written consent by me the consumer, or a competent court of jurisdiction so not only did you fail in the initial investigation of this information you also assume this information was valid your assumption has negatively affected my life and my family causing harm to my property which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not ensure that this information is accurate, you were unfair in reporting this erroneous information without first consulting with me the consumer. You did not exercise your grave responsibilities with fairness and impartiality you took one side of the story and never consulted with me to find out if this transaction even took place as a result of this my privacy was breached and this violated my right to privacy.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( i ) Congress makes it clear that our Consumer Report should not include transactions between the consumer and the person making the report this alleged transaction that you are reporting and fail to investigate whether or not it factually took place can be characterized as a transaction that took place between the consumer and the person making the report which means it should not be included in my consumer report and in fact it is a violation of my consumer rights.

Pursuant to 15 USC ( a ) ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report this is in fact another violation.

Pursuant to 15 USC 1681a ( B ) Authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report this alleged transaction that your company clearly did not investigate is characterized as a transaction that was issued from a credit card as defined under 15 u.s.c.1602 ( l ) i a man is demanding these inaccurate accounts be remove or deleted from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -U.S DEPT OF EDXXXX for the record these are my rights i am a man i know my rights my rights are if you do any wrong if you trespass by way of extortion in any way if you harm i or the property of i if any harm to property or any undue exercise of power is identified i will hold you accountable because i know my rights and i know how to express my rights and my law and i will file a claim against you and i will press my claim if force to. 

regards, i a man

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