Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I DISPUTED THIS ACCOUNT OVER XXXX DAYS AGO!! ! XXXX IMMEDIATE ATTENTION NEEDED!! ! XXXX THIS IS A THIRD PARTY ACCOUNT WHICH WAS SOLD WITHOUT ME THE CONSUMER 'S CONSENT. BAD BUSINESS PRACTICES, FRAUDULENT BUSINESS PRACTICES. 

XXXX XXXX XXXX XXXX XXXX, Trans Union, XXXX and ExperianXXXX mortgage servicer was XXXX XXXX XXXX. When the pandemic began, just like many other homeowners, the XXXX were hit with financial stress and qualified for and agreed to a forbearance. Despite the forbearance agreement, XXXX XXXX XXXX began reporting to Trans Union, Experian, and XXXX that XXXX were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, Trans Union, Experian, and XXXX all failed to correct the inaccurate reporting, and the XXXX suffered financial damage as a result. 

XXXX  v. Experian, TransUnion, XXXX and XXXX. XXXX  credit reports are inaccurate. The inaccurate information is at least XXXX accounts from the Deptartment of EducationXXXX XXXX social security numbers ; addresses ; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of Experian, TransUnion, and XXXX, the XXXX was mixed with at least XXXX other consumer on her credit reports. XXXX disputed the inaccurate information, which was not corrected by any of the bureaus. She was denied a mortgage. 

XXXX XXXX. XXXX, also known as the " Conspiracy Against Rights '' statute, is a XXXX federal law that criminalizes conspiracies to interfere with the exercise of rights secured by the Constitution or laws of the United States.Specifically, it prohibits XXXX or more people from agreeing to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by federal law or the Constitution.Violations can result in fines, imprisonment for up to XXXX years, or, if death or certain other serious felonies result, even life imprisonment or death. 

As the Supreme Court recently noted, XXXX XXXX. 
XXXX provides litigants an opportunity to pursue complete relief in a federal-court lawsuit. XXXX v. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Section XXXX codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX ( XXXX ) XXXX The section also provides the statutory basis upon which a federal district court can exercise subject matter jurisdiction over a state law claim that could not, by itself, be brought in fed- eral court if such a claim arises from the same set of operative facts that form the basis of the underlying federal claim. Specifically, XXXX ( a ) provides, in rel- evant part, that district courts shall have supplemen- tal jurisdiction over all other claims that are so related to claims in the action within [ the courts ] original jurisdiction that they form part of the same case or controversy under Article XXXX of the United States Constitution. XXXX XXXX. XXXX ( a ) ( emphasis added ). 
In other words, the case or controversy formula- tion set forth in Article XXXX of the Constitution confers supplemental jurisdiction over state law claims that arise out of a common nucleus of operative facts with substantive federal claims.XXXX In determining whether multiple disputes arise from a common nucleus of operative facts, the XXXX Circuit asks whether the facts underlying the claims before it substantially over- lap or whether the federal claim necessarily brought the facts underlying the state claim before the court. 
XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX Thus, the determination at the heart of the question of whether or not a district court possesses supplemental jurisdiction is fact-based and is necessarily made on a case-by-case basis. A district court must therefore conduct a close examination of the facts it in each case underlying the federal and state claims to ensure that the facts derive from a single occurrence or set of facts. 


REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXXXXXX XXXX ACCOUNT, ALSO XXXX XXXX XXXX ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. 

XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 
XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 
XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 
XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. 

THAT THIS DEBT OBLIGATION BE MEET WITH LEGAL TENDER IN THE AMOUNT OF {$1000.00} FOR EACH VIOLATION!! ! XXXX, AND THAT PAID OBLIGATION BE SENT THROUGH XXXXXXXX XXXX TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX. 

The Executor of The Estate of : XXXX XXXX XXXX of the [ XXXX XXXX ] UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 

REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXXXXXX XXXX ACCOUNT, ALSO XXXX XXXX XXXX ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. 

XXXX XXXX XXXX ACCOUNT : XXXXXXXX XXXX XXXX ACCOUNT : CXXXXE XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EXPERIAN CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 
XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 
XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 
XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. 


TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX Address as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 

The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX

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 non-monetary relief