Consumer complaint received 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Transunion conspires with XXXX, and they did not respond to my letter i sent in XX/XX/2016, see pics, transuinion has no valid contract with me and refuses to communicate, their co-contractor and crime partner known as XXXX i see is now off the credit report and i could now open a bank account after 2 1/2 years, but who is going to pay the damages??? now we have TransUnion committing felony crimes using my personal and private information WHICH IS A FELONY!! FLORIDA STATUTE 817.568. see below and see pics of my communication of which they did not respond, they owe me also fines and penalties,!!!! they ARE CRIMINALS!!! 

Title XLVI CRIMES Chapter 817 FRAUDULENT PRACTICES View Entire Chapter 817.568Criminal use of personal identification information. -- ( 1 ) As used in this section, the term : ( a ) '' Access device '' means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. 
( b ) '' Authorization '' means empowerment, permission, or competence to act. 
( c ) '' Harass '' means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. " Harass '' does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. 
( d ) '' Individual '' means a single human being and does not mean a firm, association of individuals, corporation, partnership, joint venture, sole proprietorship, or any other entity. 
( e ) '' Person '' means a " person '' as defined in s. 1.01 ( 3 ). 
( f ) '' Personal identification information '' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, XXXX or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a person 's financial resources. 
( g ) '' Counterfeit or fictitious personal identification information '' means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate, would in context lead a reasonably prudent person to credit its truthfulness and accuracy. 
( 2 ) ( a ) Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individual 's consent, commits the offense of fraudulent use of personal identification information, which is a

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