Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX CFPB complaints along with an FTC Identity theft report were submitted to all 3 major CRA 's. However, your company have refused to block the information as defined in FCRA 605B and Title 15 USC 1681c-2. You have no authority under any Federal or State law to report anything on my consumer file without my written or oral consent. Please provide me a copy of my oral or verbal consent or you will be held criminally liable for all violations pursuant to 15 USC 1681m. 1. ) The request to block the information requested was NOT done in error since I went through the trouble of creating an identity theft report. 2. ) My request was not a material misrepresentation. 3. ) If you believe I obtained goods and services, you must prove that I did. 4. ) a consumer reporting agency MAY NOT RESCIND a block based on information that was already on my consumer report prior to the blocking of such information. That is NOT evidence of whether the consumer knew or should have known that the consumer obtained any goods, services or money as a result of the block. If you rescinded a block, please PROVIDE ME with this new evidence you obtained that you did not already have. If a company verified the debt, please provide me with the new evidence they obtained. All I received was copies of a consumer contract and/or financial statements. If I received goods and services, please have a senior executive certified under the Penalty of Perjury that I have in fact received goods and services as a result of this transaction. However, I know you can not prove this because its not your business and you were not a witness to the transaction. If you allowed a company to willingly display information without verifying or interviewing me to verify its authenticity, then that's FRAUD because you'll allow ANYONE and ANYTHING to be furnished without my consent. A COPY OF A CONSUMER CREDIT CONTRACT is NOT sufficient to validate a debt- -Reference Case Law : Pacific Concrete F.C.U v. Kauanoe, 62 HAW. 334, 614 P.2d 936 ( 1980 ) -Actual damages are not capped at {$1000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. ) XXXXI do NOT have to show actual proof of actual damages- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Under the FCRA ( Fair Credit Reporting Act ) you are NOT being fair! Your investigations are biased and unfair, especially when only asking one side of the story in your investigation. It seems like anyone can open an account in my name and you will report it without asking me if the transaction actually happened. That is very UNFAIR. You are giving more power to an organization over the actual consumer/creditor/natural person. Title 15 USC 1681 ( a ) the first statement states " ACCURACY and FAIRNESS '' of credit reporting. Accuracy is about equity! It has to be equitable to the consumer which is I the natural person. Must be fair on both sides. What's fairness? Fairness is conducting a thorough investigation and gathering evidence from both sides. However, when someone applies for a credit extension under my name, and the financial institution reports it to you, with you verifying the information with me and asking for my consent, is that Fair?? The banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. Inaccuracy IMPAIRS the efficiency of the banking system, and your unfair and deceitful credit reporting methods undermines my public confidence in an ELABORATE MECHANISM who ONLY assumed this vital role in assembling and evaluating information on consumers. However just because you assumed this role, DOES NOT mean you have the authority to do so. Your authority comes from the consumer/natural person and no one else. I am effective immediately revoking your authority to furnish and report I DO NOT consent to. Under the FCRA Title 15, congress has made it very clear to me that YOU ARE NOBODY! You have made yourself bigger than what you are by deceitful tactics, and you don't have the power or authority to do what you are doing. You keep sharing my address, which puts my life at risk. You have shown displays that you have failed to exercise your grave responsibilities with fairness, impartiality, and respect for the consumers RIGHT TO PRIVACY! THE RIGHT TO PRIVACY IS NOT AN OPTION!!!!! title 15 usc 1681 defines the word consumer as the natural person. Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX & XXXX  as the agent , attorney in fact, so be it : I am writing to inform you of a XXXX Data Breach & compromise of my private , vital personal Information. Pursuant to 15 USC 1681 ( a ) ( 4 ) your company failed to ensure the Information reported was accurate & failed to exercise their grave responsibility with fairness & Impartiality. Why was I never contacted to discuss these matters? Why wasn't I made a part of the original investigation? Sounds like you gave dead-entity corporations & rights never granted. This is Identity theft and fraud. A consumer report is ANY written, oral or other communication of ANY information. Since a consumer report can be written, I am speaking for myself on my own behalf, I am assuming this vital role as a creditor and Im telling you this information is fraudulent and inaccurate. You claimed to investigate with the companies referenced in my FTC identity theft reports, but how did you investigate something with a NON-LIVING person? Even if you spoke to an agent, how do they have first-hand knowledge of the information being furnished?? Do you have a financial interest in furnishing all information regardless of it being valid or invalid?? I know you do because Title 15 USC 1681a ( d ) ( 3 ) ( f ) clearly states that the term " Consumer Reporting Agency '' means ANY person which, for MONETARY FEES, DUES, engages in whole or part of the practice of assembling or evaluating consumer credit information on a consumer. So, Third party companies sell you information, and you turn around and sell that information to other third parties. Due to your behavior, I have suffered  damages, extending to Stress, anxiety, marital problems with my wife, XXXX, weight gain, loss of time with family, hospitalization and much more.

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