Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I filed a complaint with the CFPB # XXXX against TransUnion on the same day ( XX/XX/XXXX ) I filed the identical complaint against XXXX # XXXX. 
Unlike XXXX, TransUnion has chosen not to respond within the allowed time, and they have not requested additional time. TransUnion has wrongly claimed my complaint is not from me but a 3rd party, therefore they have no requirement to respond. TransUnion makes this claim without ANY proof or reasonable material proof that my complaint was from a 3rd party. TransUnion must believe, since the CFPB has a new president, they do not need to follow the current laws a requirements. 

I am now claiming TransUnion is in complete and deliberate violation of the FCRA and as a result MUST delete all trade Lines I have continuously and properly claimed the results of Identity Theft. 


TransUnions response to my previous complaint on XX/XX/XXXX, is such a blatant LIE. TransUnion claims my complaint was from a third party. Therefore, they will not respond without written authorization. 
WRONG! My complaint adapted my daughters letter to Congress, I sent this complaint from my CFPB portal and my email address. It has my information listed as the sender, I identified myself as XXXX XXXX and it was me who checked off the affidavits of perjury. If this was my daughter, TransUnion or the CFPB are required to charge her with perjury. Otherwise TransUnion must be found in violation of my rights under the FCRA. Further, it is very interesting the identical complaint went out to XXXX. XXXX did not claim a 3rd party, alternately XXXX replied. 

Here is TransUnions response : " This complaint was forwarded to us from an unauthorized third party. We received no authorization from the consumer allowing us to correspond with this third party. In order to process the complaint, the consumer will need to contact us directly or the third party will need to provide TransUnion with a document indicating power of attorney. This will authorize the third party to obtain the credit information of the above-named individual and/or initiate investigations on their behalf. This document must reflect a court stamp/seal of a notary public in order for TransUnion to comply with the request. TransUnion can not disclose any information on a credit report to a third party unless a legally-binding document is provided. Please forward the required documentation to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. Please visit http : //transunion.com/XXXX for frequently asked questions about your credit report '' Now, here is the opening statement from my complaint that TransUnion is trying to conclude as coming from a 3rd party. 

" The following was written by my daughter for me & is also being sent to Congress, the New York Attorney General ( NYAG ) the Michigan Attorney General ( MAG ) Credit. Bureaus are in direct breach of their XX/XX/XXXX settlement with NYAG and I can prove it! Terrorism upon American Citizens by American Companies is exactly what this is! Credit Bureaus invade our lives and personal information without our permission. '' So when I informed TransUnion that " the following was written by my daughter for me ... '' I am talking in the first person, and was simply adopting a letter she wrote as part of my complaint. Again, my daughter did not send this, I did. There is no difference when I copy and paste policy and include that in my complaint. I never said my daughter is using or hijacked my email, i said " I '' I means " Me, XXXX XXXX. 
TransUnion is looking for any excuse regardless of how grossly inaccurate it is, as long as there is any hint they can attempt to manipulate. 

*** I SENT THIS COMPLAINT. NOT A THIRD PARTY, Unless a court finds TransUnion has a valid reason to believe this was sent from a third party, they are again in complete defiance of the law, they are willfully involved in a scheme to disobey the law. I guess TransUnion must be running this country not Congress! 

For the entirety of my complaint please see CFPB # # XXXX which is attached with this complaint.

Company response to consumer: Closed with explanation