Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
THIS AFFIDAVIT IS NOARY SUPPORTED AND SELF AUTHENTICATING BY WAY OF THE LAWFUL NOTIFICATION : THE DOCUMENTS XXXX XXXX PRODUCED ARE NEWLY CREATED ROBO SIGNED AND FORGED TENDER OF PAYMENT OFFERING WAS DECLINED IN WRITING THEREFORE SET FOR DISCHARGE On XX/XX/XXXX, XXXX XXXX did not produced verification documents which is incomplete missing or other. I requested the copy of the contract/application from them over 50 days ago and they have not sent it to me. They have stated that due to the time frame that document contract application doesn't exist anymore. Why doesn't it? If you XXXX XXXX are stating that i can't alter the agreement/contract/application then how are you creating a new one? 

The Disclosures or letter recently created by XXXX XXXX states facts that they do not have that agreement contract application which was signed electronically. 
The Disclosures or letters created by XXXX XXXX does not have the full documents needed to continue to alleged a debt based upon the FDCPA 15 USC 1692. 
i am presenting this affidavit in dispute confirmation of the alleged debt which must be deleted. It is the Banks responsibility to secure all applications/agreements and or contracts within their system to show validation and verification. For such was not done herein this matter. The Disclosures or documents produced by XXXX XXXX are statements i have never seen before. When i requested the statement they said they would send them, rather i have never received them by mail, only one which is hard to read and make out. Which the copy version i am attaching they provided shows fraud. The document does not show the back side where the Bank admits it received the Tender Of Payment and what address to send them to. This was told to me by the manager XXXX on XX/XX/XXXX. 

I have requested the Tender of Payment in return to assure that they the bank did not cash them, so it is implied that XXXX has cashed the Tender Of Payment [ s ] due to never returning the Tender Of Payments as evidence of declining the payment but claim to have it on copy within their digital system. 

XXXX XXXX has a FRAUD ALERT document which would appear on the contract/agreement application online. Were it states something like Criminals are hacking email accounts of lenders, real estate agents, title companies, settlement agents or attorneys, and other, resulting in fraudulent wire instructions being used to divert funds to the account of the criminal. It is proven this is what XXXX XXXX   has done this alone. 

XXXX XXXX never provided me with a full copy of the alleged loan agreement or contract and has only done such with the credit agencies or all three credit bureaus by fraud and incomplete documents. 

The signatures XXXXXXXX XXXX has produced are forged, for they themselves said it was done online, and since they kept the tender of payment it is more than likely they have a copy of my infant trust account number. 

Due to the fact that XXXX XXXX will not produced the application/contact to the CFPB or to the three credit bureaus the one they sent me is forged XXXX signed and newly created well after the original electronic document the debt must be XXXX and paid in full by the tender of payment offer made, as they have declined see Law 3-306. I give full authority to the United States Government to monitor the purposes of this matter. I XXXX XXXX XXXX have a copy of the original document and will provide it thereto the bureaus and government agencies by mail. The original application is the contract and it has a digital signature not a wet signature. They have altered that document and can only produce a old Statement from XXXX? 

# ss XXXX XXXX XXXX XXXX XXXX has presented false information. Seventy percent [ 70 % ] of the letters they attached to validate or verify the alleged debt i have never seen before nor have i received from them in the mail. Also i XXXX XXXX XXXX have never spoken with these ladies from XXXXXXXX XXXX or received letters from them they have placed upon the CFPB website, from XXXX XXXX employees " XXXX XXXX '', i have never seen a letter from her on behalf [ obo ] XXXXXXXX XXXX, because are responding to the fax i sent them on XX/XX/XXXX XXXX ; XXXX, not from the complaint therein. 

Employee " XXXX XXXX '', has never called my phone nor written me any letters via USPS mail. She submitted her letter to the CFPB site not to me. The letter on the CFPB site from XXXX XXXX i have never seen this letter until today XXXX XXXX dated XX/XX/XXXX, also notice the address and name they are using XXXX XXXX XXXX is not my address. Therefore also they have the wrong name as XXXX XXXX XXXX my name is spelled this way XXXX XXXX XXXX lower case. 

This matter and alleged debt is Disputed. In a letter dated XX/XX/XXXX, third paragraph highlighted for you to see it says that they XXXX XXXX  does not have the original contract/application for they are both the same! I also Tendered a payment in full and they declined it, therefore the debt is XXXX. I spoke with an employee Manager XXXX on XX/XX/XXXX for XXXXXXXX XXXXs. She stated that the contract/application was available and they would be sending it to me, but i have never received it. Guess why! because the contract/application was altered by them and only them being the bank " XXXX XXXX ''. 

AFFIDAVIT OF TRUTH AND FACTS FOR DISPUTED DEBT : THIS AFFIDAVIT IS SELF AUTHENTICATING BY WAY OF THE LAWFUL NOTIFICATION : XXXX XXXX  FAILED TO PROVIDE THE INFORMATION OF THE ORIGINAL LENDER IN WRITING THEREFORE THE DEBT IS DISPUTED AND SET FOR DISCHARGE FDCPA XXXX09. VALIDATION OF DEBTS 809. Validation of debts ( a ) Notice of debt ; contents ; Within five days after the initial communication with a con - sumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ;. ( 2 ) the name of the creditor to whom the debt is owed ;. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;. ( 4 ) a statement that if the consumer notices the debt col- lector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt col- lector will obtain veri cation of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

. ( b ) Disputed debts If the consumer notices the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi - cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noticed the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communica - tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

. ( d ) Legal pleadings I demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement They have failed to produce documents to validate this debt by alleging that the document is only two [ 2 ] years old and no longer exist this debt must be deleted from my account and XXXX. XXXXXXXX XXXX are merely retaliating due to the fact that i will not make a payment with a debt currency called XXXX or Federal reserve notes. This is there demand for payment. This is discriminative. XXXXXXXX XXXX are 50 days past the verification process and this debt is due to be deleted by all three credit bureaus.

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 explanation