Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

CERTIFIED MAIL TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX LEGAL NOTICE UNDER 30 DAYS NOTICE ( ADMINISTRATIVE REMEDIES ARE EXHAUSTED ITSELF ) I have submitted many and multiple requests to TransUnion by mail and by other means regarding this unethical reporting and trying to claim that such is my debt when TransUnion can not get such proof of validation from this merchant called XXXX XXXX XXXX  to do what they have done. 

This has been going on since XX/XX/XXXX and should be over with my credit profile reporting never late at all on my credit report. I have every right to dispute such matter and such disputed matter or amount should not have never been reported to any credit bureau agencies. 

This was reported to corrupt my credit profile and to mislead others now, I want TransUnion to do their due diligence homework and produce ALL OFFICIAL AND LEGAL RECORDS as noted in this complaint and to sign over to have this matter placed in a court of law under a jury trial demand for TransUnion and TransUnion 's witnesses to come forward with their evidence to support their reporting. 

By law or by rules and regulations TransUnion is supposed to be updating the consumer 's profile every thirty days. Records show the last time TransUnion updated any profile was XX/XX/XXXX. We are now on XX/XX/XXXX. Where are the updates and where are TransUnion Records to provide to the Consumer Financial Protection Bureau and Federal Trade Commission?

Requesting public information is simple. Here 's what you need to know to make a successful Public Information Act ( PIA ) request.

A public information request must be in writing to the governmental body you believe maintains the information. However, your written request needs to be for information already in existence. A governmental body is not required to answer questions, perform legal research, or create new information in response to your public information request. 
Tips For A Successful Public Information Request Effective XX/XX/XXXX, pursuant to section XXXX of the Government Code, a person may make a request for public information only by delivering the request by one of the following methods to the governmental bodys public information officer or the officers designee : 1. United States mail ; 2. electronic mail ; 3. hand delivery ; or 4. any other method approved by the governmental body.

If you can, keep a copy of the request and proof of the governmental body 's receipt of the request.

Check the governmental bodys website. The information you are seeking may be online. Also, governmental bodies may have information on their websites on how to submit a request for public information. Many governmental bodies have standard forms to help you with your request.

If you believe a governmental body has not properly responded to your Public Information Act request, contact the Open Government Hotline at : After reviewing all as noted above and thereof in this complaint before the Consumer Financial Protection Bureau.

I am also requesting from TransUnion all the below-listed information in the below paragraph for the records. 

FAIR CREDIT REPORTING ACT ( FCRA ) FAIR CREDIT BILLING ACT FEDERAL TRADE COMMISSION REGULATIONS VIOLATION OF PRIVACY ACT FEDERAL DEBT COLLECTION ACT CONSUMER PROTECTION ACT Verification of all official and legal records is very important therefore, that is why verification of the Department of Veterans Affairs records is very important just as verification of any debt stated or claimed to be owed. We want ALL official and legal records as stated and noted in the attached log sheet of record to support any statement of record as noted attached or any complaint entered and submitted attached. 
We are requesting : Request State and Federal Regulations under an unsecured credit card debt or completing an application where it says that at any given time a cardholder can be asked to consent to a Form 4506 C. Please produce such regulations in a court of law. 
Produce such State and Federal Regulations where a credit card company can report such dispute debt to the credit bureau protection agencies.

Produce such State and Federal Regulations where a credit card company does not have to produce a validated receipt of purchase to support such alleged claim debt.

Produce such State and Federal Regulations where a credit card company can deny a cardholder from obtaining the financial companys agent ( legal counsel ) of record name, address, and phone number before going legal in a court of law. 
Produce a credit card agreement showing in fine print where it states such credit card company can impose on any credit card holder their consent to sign and obtain their tax returns to validate their income or any other information. 
Produce deposits made on such unsecured credit accounts. 
Produce such a signed credit agreement receipt or application. 
Produce all credit card statements, and transaction receipts in dispute. 
Produce all rules, regulations, policies, procedures, applicable laws, and statutes to support asking any unsecured credit card holder rights to obtain such financial records such as tax returns to verify their income, etc. 

Where are such rules, or regulations that say that a credit bureau agencies or company can contact anyone who is listed in the credit bureaus system that they can be contacted at any given time at their discretion to have such consumer consent to a Form 4506 C to obtain their income tax statements on any such unsecured credit card account or to verify information? Please produce such credit bureaus rules, regulations, policies, applicable laws, and statutes to support credit bureau statements or activities on any form received from a credit card agency or account. 
All these official and legal records are very important in any case, a matter of dispute or claim entered or submitted.

For reference material and full review contact the following agencies listed below : FAIR CREDIT REPORTING ACT ( FCRA ) FAIR CREDIT BILLING ACT FEDERAL TRADE COMMISSION REGULATIONS VIOLATION OF PRIVACY ACT FEDERAL DEBT COLLECTION ACT CONSUMER PROTECTION ACT Signed XXXX XXXX XXXX, Consumer