Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I have XXXX hard inquiries of loan debts. And I haven't received explanation or anything of what I asked for as proof to who i'm dealing with as far as these loans and the proper signed paper work. 

XXXX ACCOUNT # XXXX AMOUNT : {$10000.00} XXXX XXXX XXXX XXXX  ACCOUNT # Application - XXXX / Loan ID - XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report. 

I have written them letters to get back to me : I understand that I had promised to pay XXXX {$10000.00}. I was paying on this for 10 years and 7 months faithfully. I was attending XXXX XXXX through XXXX XXXX who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : ( https : XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only XXXX who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without Recourse, XXXX XXXX I understand that I had promised to pay XXXX XXXX Bank {$5900.00} with interest of XXXX XXXX however, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only XXXX who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without Recourse, XXXX XXXX

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