Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT PURPOSE SUMMARY : I file this complaint in addition to a prior complaint that was in my favor, no monetary award as I was not seeking one. As soon as the complaint was closed, TransUnion put XXXX XXXX back on report and the other two major bureaus followed. Since then, XXXX actually did an in depth investigation and deleted the account. ( Please refer to the attached prior report with the CFPB, and its outcome ). 


MAIN BULLET POINTS OF CONCERN : TransUnion and Experians Total Disregard for ID theft notice, refusing to reinvestigate a dispute, labeling me as one who files frivolous disputes as an excuse not to have to reinvestigate. 
TransUnion prematurely removed my actual PAID/NEVER late auto loan with XXXX XXXX  , causing XXXX and XXXX to follow suit, and they refuse to add it back in ; while leaving the charged off repo disputed auto loan on my report.. They have lied about this, about the furnisher, about the affidavit, about investigating, and about my filing frivolous disputes. ( see below ). 
XXXX XXXX was my oldest creditor on my Consumer Report. When the three major Reporting Bureaus removed it, while leaving the auto loan that Ive been disputing on, my score dropped substantially. About XXXX points. 
I gave permission for one dealership to pull my credit. This is when I learned thXXXX XXXX XXXX  was no longer on and the disputed account remained. Without my permission, they allowed an abundant amount of unauthorized inquiries that also dropped my score further. And Because of all of this, everyone one of those inquiries ended in a denial of credit throught the dealership who did not have permission to allow others to pull my credit. 
My car was stolen in XX/XX/XXXX, and I have been without a vehicle since because I can not get approved for a decent interest rate and payment due to the malicious acts of TransUnion and XXXX. 
TransUnion and XXXX have negligently caused my personal information to be mixed with the information used by the thieves, where it was not so much prior to my disputes. XXXX had my first name spelled with an H, but they seemed to finally fix it. I have told all three bureaus I have not lived at the other addresses they shows. I have only lived in XXXX, AZ on XXXX and on XXXX XXXX. 
TransUnion lied about having an affidavit from the furnisher, as reason for adding the XXXX XXXX XXXXack onto my report after CFPB stating it was removed without monetary award. When I request a copy of it, they finally admitted they do not have an actual affidavit. They just took a statement on phone by furnisher. This is NOT an Affidavit. Another LIE! 
Refusing to remove the charged off, repossession auto loan that is not mine whole removing the one that is. They re-reported it after the CFPB closed the account in my favor. The reason they said, was a signed affidavit by the furnisher XXXX XXXX XXXX This is LIE # 2 for the following reasons : 1. It is impossible for anyone at that company to have first hand personal knowledge of me signing anything with them. 
XXXX. When asking again for a copy of the affidavit, they admitted they did not actually have a signed hardcopy or original of such a thing. It was given verbally. THIS IS NOT AN AFFIDAVIT, AS AN AFFIDAVIT MUST BE SIGNED AND NOTARIZED UNDER PENALTY OF PERJURY. 

HISTORY After CFPB closed that complaint against TransUnion regarding the information furnisher, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as it has been duplicated on my reports using both of these names ), TransUnion and XXXX placed the item back on my credit. 

Both TransUnion and XXXX claim they received an affidavit from the furnisher ( LIE # XXXX ) stating it was mine. I told Transunion that would mean the person signing it had to have personal knowledge. I wanted the name, number & copy of the affidavit, When asking for the Affidavit, Transunion XXXX XXXX ( XXXX does whatever TransUnion does apparently ), they both told me they " it doesn't work that way, We don't actually get a physical copy of anything, they just state it on the phone ''. 

A statement over the phone is not an Affidavit! An Affidavit must be signed and notarized under the penalty of perjury. I have the right to see it and face my accusers since they claim they can not even talk to me as XXXX cant not verify the account. 

I have never heard from, nor have I been able to discuss this with the information furnisher. When I tried, I could not verify the account with the information they had on file at the time, and they wouldn't speak with me. I They are parking this account on my consumer report to extort me into paying for it. 

If an Affidavit exist, it was signed fraudulently, because there is no way that person has personal knowledge that I signed anything with them. And after all this time, they have yet to provide me with a single thing I have requested proving otherwise. 

Everyone has been provided with my ID theft reports, including the CFPB when I initially filed my attached complaint. TransUnion and XXXX ignored it. The only Reporting Bureau who actually took the time to investigate it, as well as keep me in the look as far as their progress was XXXX. XXXX concluded after a lengthy investigation, to remove it! 

I have attached all documents again, as well as a new ID theft Report filed with the FTC at the demand of TransUnion, filed recently. 

Prior to this mess with TransUnion and XXXX over this account, my multiple disputes over it ( that they have ignored by labeling me a personal who files " frivolous disputes '' so that they don't have to reinvestigate it ), my personal information was not really intertwined with that of the thieves. But now its a big mess! I have lived in 2 places in the past XXXX years. That is my current address of XXXX XXXX XXXX in XXXX, and my childhood home of XXXX XXXX XXXX in XXXX, which I still get mail at. I am Single and have been Credit Invisible for the most part the past 20 years until XXXX when I bought a car with XXXX TransUnion, whether purposely or not, prematurely removed my PAID, NEVER LATE, and EARLIEST LINE OF CREDIT on my report without notice or reason. When I demanded they put it back on after my credit score dropped over XXXX points, they lied and said the furnisher told them to remove it. ( LIE # 2 ). 
What they did not realize, is that XXXX keeps detailed logs and records of any and all disputes they get from anyone, especially the reporting bureaus, on every single account. When I called XXXX, they told me that only the Reporting Bureau can put it back on, because they didnt remove it. I spoke to XXXX at XXXX, who told me she checked the logs, and they have NEVER even received a dispute, from anyone, with regards to my account. I called TransUnion back, told them what XXXX said, and they said there was nothing they can do about it. 

I refinanced that car with XXXX XXXX, which I paid off in XX/XX/XXXX, after it was stolen, as verified on my report. I have been trying to purchase a new vehicle, but now that the only auto loan that was actually mine and paid in good status have been removed, leaving only the auto loan that is not mine on my report, I can not get the kind of vehicle for the price and interest rate I deserve. I have a million inquiries now on my credit and denials to go with them. 

I have suffered greatly over the past couple of years due to the negligence of TransUnion, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand justice! I know that they are a private self appointed company that mines our private information and sells it. I know that XXXX XXXX is one of the owners. So it can not be for the benefit of the Consumer, but for the Bankers. It is evil and fraudulent. If it is in fact a Consumer Report as described in the many rules, regulations, statutes, codes and laws placed to regulate them, most of which they ignore, then the Consumer needs to stop consuming! Because it is a broken, corrupt system. And We are waking up to it. 

They need to be held accountable and make me whole again. I have given them plenty of opportunity, which they have given the furnisher. Who, by the way, ID theft aside, has changed something on the report each and everytime, trying to show continuity and that it is accurate. We already know its far from fair. A Layment can have no other info than what is just on the report, and say without a doubt, it is not accurate either. 

These corporations need to be held accountable, And this is why I have written my Senators and Pres. Trumps Office ( as I ran with him in XXXX ), and have ask them to restore the CFPB. I should be restored financially for the damages this has done. 

I look forward to seeing them all in court soon, if they do not fix my report immediately. To insure they do it correctly, fairly, and accurately, maybe it wouldnt kill them to give me a call. .Its the least they can do after taking a fraudulently signed alleged affidavit from a furnisher, which shows extreme bias. 

Respectfully, XXXX XXXX new contact # ( XXXX ) 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