Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Bureaus have been reporting inaccurate information selling my private information compensating from my trust The information that the bureaus are using in the public selling consumers private information to make a profit is private property of the XXXX XXXX XXXX XXXX XXXX. You have not received permission to use, nor have you compensated the beneficial owner of the private trust property. All of your credit reports are inaccurate as I am the original creditor that has extended credits to all financial institutions making any reports to you about the principal, I am in care of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

The creditor have yet to show proof of possession that they are the XXXX XXXX holder of the XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]? Can the bureaus show proof of possession of an equitable title or certificate from the XXXX with rights of use of the private property of the XXXX? 

These XXXX creates a constructive trust and you are now being appointed fiduciary with limited power to act on behalf of the XXXX XXXX XXXX  XXXX. Since you are assuming the position as debtor in respect to property held in the XXXX XXXX XXXX XXXX XXXX and using the private property to make a profit in the public without compensation the beneficial owner, I now demand from the bureaus the following things : XXXX. XXXX XXXX XXXX XXXX XXXX fraud by stating there is money owed. You are apart of this conspiracy by also reporting the fraud as well. I demand you report that all payments and accounts are fully current and there are no late payments and or missed payments. I demand that the consumer credit score of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] stay at XXXX and always in perfect standing. Remove Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX that I missed. 

Remove all hard inquires XXXX XXXX, Best XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Can you ( the bureaus ) or the corporations making fraudulent reports show proof of possession of the original negotiable instrument in order to enforce the instrument? Can you Show proof ( or the corporation ) that the original note was not destroyed voluntarily by way of securitization discharging all debt? 
Claiming there is an alleged debt when the Bill/note was destroyed by way of securitization therefore fully discharging all debt between parties according to U.C.C XXXX XXXX a ) A person entitled to enforce an instrument, with or without consideration, XXXX discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. 

This is fraud and misrepresentation of the material facts, the character and legal amount of debt. This is an ultra vires act, usurping powers that are not within your charter/Bond nor authorized by law. 

Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes fraud, and entities party deceived to avoid contract or recover damages. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX F XXXX XXXX. 

XXXX XXXX XXXX said : The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked to often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WHEREAS As all government entities and alleged private corporations must be a creature of the American Constitution, this is a formal Request and Command for you to produce for the record, the Legislative Act that created your Authority to 1 ) enforce an instrument you are not in possession of, 2 ) or to enforce an instrument that was destroyed by way of securitization a voluntary act to discharge all debt. 3 ) Prove your authority to legislate over the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LIVING TRUST. Take notice that a de facto basis for powers of authority is not sufficient in this matter. Failure to provide proof of your de jure authority appointed from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LIVING TRUST constitutes your actions as ultra vires and by operation of law your Charter is dissolved by usurping powers you do not have, a trust arises, and I become beneficiary of said trust. As beneficiary to your dissolution, I special deposit for credit on account and order all debts be paid from your capital stock. 

XXXX. Conclusion : Do you have the original bill ( negotiable instrument ) in your possession to enforce the instrument to report payments of a debt? Can you prove the original note was not destroyed by way of securitization and discharging all debts? Do you have the certificated security instrument issued by the United States to show proof of possession over the principal debtor for subrogation rights over all proceeds of the principal debtor? 
If you can not prove or rebut anything stated within this legal document, you fully agree with all demands being made. Your silence is acquiesced and considered as all demands will be met accordingly. You Now have 10 business days to fully respond to this legal document. I have already given many options to correct. 

For all damages and harm caused to the XXXX XXXX XXXX LIVING TRUST I make the following claims against you according to the Fee Schedule of the Trust : XXXX. XXXX and False Statements- {$30000.00} XXXX. Conspiracy- {$250000.00} XXXX. Failure to Respond- {>= $1,000,000} ( If you fail to respond to this ) XXXX. Failure to Respond as Outlined in this Notice of Claim- {>= $1,000,000} XXXX declare under penalty and perjury under the laws of the United States of America XXXX the foregoing is true and correct. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX LIVING TRUST, XXXX XXXX XXXX Precedent Estate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX speaking in my behalf.

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