Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently sent over the dispute about these persons violating me as a consumer I gave them ample amount of time to handle it and they changed the amount I owe them nothing and Ive sent over the laws to them and to you all as the acting company over these furnishes and it was XXXX XXXX XXXX XXXX they now have somehow changed it to XXXX dollars I talked with my lawyer after seeing this and she will get intouch with you asap I dont owe them they have never sent over a contract that I asked to be sent to me stating I owe them anything and still nothing happened Im contacting more lawyers on this situation as it now has lead into harassment that the cfpb should have been able to handle the account XXXX still is on my credit after me sending over all the laws that state they arent supposed to be on my report this is hendering me from moving forward and has been for a while now I now would like to receive compensation for my pain and suffering as it has been affecting me and my family do to incorrect information on my consumer report.my consumer report without a contract and or my written consent the list of companies below continually violates and discriminates against me as a consumer and I would like these persons to be held accountable and reprimanded under 15 USC 1681 thru 1692. These laws are set in place to protect my federal protected consumer rights.the list of agencies below have violated me and I would like for the cfpb to follow the rules and guidelines set in place by congress to hold these persons accountable. As follows these are the accounts of the person I wish to sue under 15 usc 1681 thru usc 1692 as it state I am to be reimbursed for any and all violations to my consumer report. Account names springoakcapamount of {$1300.00} opened on XX/XX/2023 Account number XXXX are not mines I do not owe these persons nor do I know of these persons In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer agency can not furnish an account without my written instructions. 

U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

15 U.S.C 1681 ( n ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. 
The law states also 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything blacks law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a true bill immediately if this isnt resolved asap.i am tired of going back and forth with transunion for not doing there job and they have been affecting my consumer report negatively