Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX : XXXX c/o XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX [ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, Special Agent in Charge Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Comptroller of the Currency XXXX XXXX XXXX, XXXX, XXXX  XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX, Enforcement and Compliance Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX Counsel XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Subject : Urgent Request for Immediate Criminal Investigation and Enforcement Action Against XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Enterprise Holdings , and Associated Executives for Alleged Financial Fraud/Misconduct , Securities Violations , Anti-Discrimination Violations and FCRA Violation, Immediate Demand for Restitution, Asset Return in FULL Dear Special Agent XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I am submitting this letter to formally request immediate investigative action and enforcement against XXXX XXXX XXXXXXXX XXXX ( XXXX ) , XXXX XXXX XXXX XXXX, Enterprise Holdings , and their respective executives . The allegations involve multiple instances of financial misconduct, securities fraud, discrimination, and breaches of fiduciary duty, impacting me as a XXXX XXXX XXXX XXXX XXXX and XXXX sole beneficiary of my estate. This request includes details regarding ongoing financial harm, discrimination, and retaliatory practices in violation of federal laws. 

Background of Alleged Misconduct 1. Deficiencies in Compliance with AML/BSA Regulations In XXXX, the Office of the Comptroller of the Currency ( OCC ) issued a Consent Order against XXXX due to repeated violations of the Bank Secrecy Act ( BSA ) and deficiencies in the Anti-Money Laundering ( AML ) compliance program. XXXX admitted to these violations, but recent events indicate ongoing non-compliance, including the mishandling of payments and suspected money laundering activity. Despite multiple complaints to federal agencies, XXXX has failed to take corrective action. 

XXXX. Fraudulent Dealer Funding and Unauthorized Wire Transfers In XXXX, XXXX XXXX allegedly funded a fraudulent dealer transaction under Approval Code XXXX for the XXXX vehicle in question, transferring $ XXXX to XXXX XXXX XXXX XXXX. This transaction included inflated charges not reflected in the original MSRP or forged warranty documents, suggesting unauthorized activity by executives at XXXX XXXX and XXXX XXXX XXXX XXXX. Wire transactions were conducted without proper authorization and subsequently misrepresented in the loan documentation of XXXX XXXX XXXX XXXX. 
XXXX. Refusal to Provide Accounting Ledgers and Breach of Fiduciary Duty Despite multiple formal requests under UCC 9-210, XXXX has failed to produce the full accounting ledgers for estate and trust accounts, raising concerns of misappropriation and breach of fiduciary duty. 
4. FCRA Violations and Mishandling of Personal Data XXXX, along with TransUnion, XXXX, and XXXX, has unauthorizedly handled my personal financial data, resulting in FCRA violations ( 15 U.S.C. 1681 ) and inaccurate credit reporting that continues to harm my financial standing.

5. Discriminatory Retaliation Based on Native American Status XXXX retaliatory actions after I raised fraud and discrimination complaints reflect discriminatory conduct based on my status as a Native American. This behavior contravenes federal anti-discrimination laws, specifically Title VI of the Civil Rights Act.

Summary of Key Violations 1. Securities and Broker-Dealer Fraud XXXX actions violate several securities regulations, including those under 15 U.S.C. 77q ( Securities Fraud ) and 18 U.S.C. 1348. These include fraudulent misrepresentation and document forgery on loan and purchase agreements related to a XXXX XXXX. 
2. Discriminatory Retaliation Against Native American Nationality XXXX treatment in response to my complaints suggests discrimination based on my status as a XXXX XXXX XXXX XXXX XXXX These retaliatory practices contravene federal anti-discrimination statutes, including Title VI of the Civil Rights Act.

3. Breach of Fiduciary Duty and Improper Handling of Private Information XXXX has refused to provide private account ledgers and has allegedly mishandled my estate and financial accounts, despite my repeated demands for compliance under UCC 9-210. Unauthorized sharing and use of personal information have also been noted, violating consumer protection laws, including 15 U.S.C. 1681 ( FCRA ). 
Legal Basis for Requested Action The actions and omissions of the aforementioned entities constitute violations of federal and financial laws, including but not limited to : 15 U.S.C. 1681 - Fair Credit Reporting Act ( FCRA ) for improper handling and reporting of personal data.

18 U.S.C. 1341 - Mail Fraud and 18 U.S.C. 1343 - Wire Fraud for fraudulent communications involving loan and account transactions.

15 U.S.C. 77q - Securities Fraud for misrepresentations related to loan and funding documents.

Title VI of the Civil Rights Act- Prohibits discriminatory practices in federally funded institutions.

Truth in Lending Act, 12 C.F.R. 1026.13 - Regulates the proper application of payments and account disclosures.

Bank Secrecy Act ( BSA ) 12 C.F.R. 21.21, requiring adequate AML programs.

Fair Debt Collection Practices Act ( FDCPA ) Prohibits abusive and deceptive debt collection practices. 
RICO Act 18 U.S.C. 1961-1968, for ongoing patterns of criminal activity by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
Civil Rights Protections Title VI, Age Discrimination Act, and related anti-discrimination statutes prohibiting discriminatory practices. 

Immediate Actions Requested Given the severity of these violations, I respectfully request the following actions : 1. Criminal Investigation and Prosecution of Responsible Executives o XXXX Executives : XXXX XXXX ( CEO ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX ( CFO ) o Enterprise Holdings Executives The applicable statutes are 18 U.S.C. 1341 ( Mail Fraud ), 18 U.S.C. 1343 ( Wire Fraud ), and 18 U.S.C. 656 ( Embezzlement by Bank Officers ).

Conclusion and Final Statement Fraud nullifies even the most solemn contracts and judgments, as affirmed in XXXX vs. XXXX, XXXX XXXX XXXX. The fraudulent and malicious acts by XXXX and associated parties render all agreements void. This notice serves as an irrevocable demand for the cessation of all further unauthorized use of my private information, assets, and estate. 
I expect immediate compliance and look forward to your prompt action to uphold federal law and restore the integrity of the U.S. financial system. 

Sincerely, XXXX XXXX XXXX XXXX Beneficiary By : XXXX  : XXXX UCC XXXX XXXX XXXX Recourse XXXX XXXX Sole Beneficiary Living Woman ; XXXX XXXX ; XXXX XXXX Principal Secured Party Master Account Holder Power of Attorney-in-Fact Certified Document : XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX # : XXXX XXXX