Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I AM THE EXECUTOR OF THE ESTATE OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX!! ! XXXX I AM THE OWNER AND Real Person WHO ACTUALLY FILED THIS DISPUTE, THERE IS NO THIRD PARTY INVOLVED!! ! XXXX CFPB CLOSED MY DISPUTE WITHOUT DOING ITS DUE DILIGENCE!! ! XXXX CFPB NEVER CONDUCTED A THOROUGH INTERNAL INVESTIGATION INTO THIS MATTER AT HAND, CFPB JUST CLOSED THE CASE, WITHOUT CONDUCTING A INTERNAL INVESTIGATION!! ! XXXX THIS IS NOT A DUPLICATE COMPLAINT!! ! XXXX NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE CFPB Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT HAHAHA I HAVE SEVERAL DISPUTES ON XXXX XXXX WITH ALL THREE BUREAUS XXXX XXXX AND TRANSUNION. I NOTICED THAT XXXX XXXX PUT A CHARGE OFF ON MY CREDIT REPORTS WITH ALL THREE BUREAUS FROM XX/XX/XXXX. HAHAHA I WAS NOT BORN UNTIL XXXX, XX/XX/XXXX. HAHAHA THIS IS HILARIOUS. XXXX XXXX XXXX Loan Servicing, Trans Union, XXXX XXXX XXXX. Plaintiffs mortgage servicer was XXXX XXXX XXXX. When the pandemic began, just like many other homeowners, the plaintiffs were hit with financial stress and qualified for and agreed to a forbearance. Despite the forbearance agreement, XXXX XXXX XXXX began reporting to Trans UnionXXXX XXXX, and XXXX that plaintiffs were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, Trans Union, XXXX and XXXX all failed to correct the inaccurate reporting, and the Plaintiffs suffered financial damage as a result. XXXX XXXX XXXX TransUnion, XXXX and XXXXXXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the Deptartment of Education/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 XXXX, TransUnion, and XXXX, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information, which was not corrected by any of the bureaus. She was denied a mortgage. 18 U.S.C. 241, also known as the " Conspiracy Against Rights '' statute, is a U.S. 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 two 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 ten years, or, if death or certain other serious felonies result, even life imprisonment or death. As the Supreme Court recently noted, 28 U.S.C. 1367 provides litigants an opportunity to pursue complete relief in a federal-court lawsuit. Arbaugh v. Y & H Corp., 126 S. Ct. 1235, 1240 ( 2006 ). Section 1367 codified the concept of pendent or ancillary jurisdic- tion set forth in United Mine Workers of America v. Gibbs , 383 U.S. 715 ( 1966 ) .1 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, 1367 ( 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 III of the United States Constitution. 28 U.S.C. 1367 ( a ) ( emphasis added ). In other words, the case or controversy formula- tion set forth in Article III of the Constitution confers supplemental jurisdiction over state law claims that arise out of a common nucleus of operative facts with substantive federal claims.2 In determining whether multiple disputes arise from a common nucleus of operative facts, the Second 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. Achtman v. Kirby, McInerney & Squire , LLP, 464 F.3d 328, 335 ( 2d Cir. 2006 ) .3 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 XXXX XXXX  ACCOUNT, ALSO XXXX  XXXX XXXX ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXXXXXX XXXX XXXX ACCOUNT : CODE DF IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. 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 U.S. POSTAL TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Executor of The Estate of : XXXX XXXX XXXX of the [ XXXX XXXX ] UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization  ) ARTICLE 28 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 30 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 XXXX XXXX ACCOUNT, ALSO XXXX  XXXX XXXX ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXXXXXX XXXX XXXX ACCOUNT : CODE DF IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM XXXX  CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXXXXXX XXXX XXXX XXXX Address as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 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 30 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

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Authorization needed Status Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. 

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If you still want the company to respond your complaint, you can contact the company directly to provide authorization. If you have questions or need more information, you can speak with someone at ( XXXX ) XXXX, XXXX XXXX - XXXX XXXX  Eastern, Monday - Friday. 

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Company response to consumer: Closed with non-monetary relief