Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To : The DATA-BLOATED Credit Agency : transunion Full File Disclosure Division Subject : Failure to Provide Full Consumer File Disclosure Violations of FCRA 609, 610, 607 ( b ), 611 ( a ) ( 5 ) ( A ), 616, 617 and 15 U.S. Code 45 -- - I am submitting this complaint under my lawful rights as a consumer and U.S. resident protected under the Fair Credit Reporting Act ( FCRA ). This complaint is directed against the credit reporting agency : transunion.

-- - TIMELINE AND REQUEST RECORD : On XX/XX/year> around XXXX PM, I called transunion publicly listed Full Disclosure line and formally initiated my request for a Full Consumer File Disclosure, as defined under FCRA 609 ( a ) ( 1 ).

I confirmed my identity during the call and was instructed to provide supporting ID, which I submitted.

> This phone request, when paired with proper identification, constitutes a legally valid Full Disclosure request under the FCRA.

The agency failed to comply within the required 15-day window, in violation of 15 U.S. Code 1681h ( a ) ( 1 ).

-- - VERBATIM LAWS Clauses 15 U.S. Code 1681g ( a ) ( 1 ) FCRA 609 ( a ) ( 1 ) : > Every consumer reporting agency shall, upon request clearly and accurately disclose to the consumer ( 1 ) All information in the consumers file at the time of the request...

15 U.S. Code 1681h ( a ) ( 1 ) FCRA 610 ( a ) ( 1 ) : > ... shall make the disclosure within 15 days of the receipt of the request and proper identification. 

-- - DATA PRESERVATION NOTICE This request, transmitted on XX/XX/year> at XXXX AM, constitutes a formal evidence preservation demand. 

> DATA PRESERVATION NOTICE : XXXX This request, transmitted on [ XX/XX/year> ] at [ XXXX AM ], constitutes a formal evidence preservation demand. 
A duplicate of this request is being preserved. 
Any deletion, suppression, modification, or backdating of inquiry logs, subscriber redisclosures, reinserted derogatories, or internal profile data from this timestamp forward shall be treated as intentional obstruction and evidence tampering under FCRA 609, 15 U.S. Code 45, and 18 U.S. Code 1001.

FCRA 609 15 U.S. Code 45 ( FTC Act ) 18 U.S. Code 1001 ( False Statements Act ) A duplicate has been filed with multiple regulatory agencies. 

-- - ADDRESS FRAGMENTATION VIOLATIONS : Please send the Full Consumer File Disclosure to my XXXX and legally recognized current address only. 

I do not authorize the inclusion of fabricated, outdated, or foreign addresses Ive never lived at, never applied from, and never had lawful association with. 

As of this filing, your system lists XXXX different addresses in my file. 
This is not accuracy it is identity sabotage.

> FCRA 607 ( b ) 15 U.S. Code 1681e ( b ) : Shall follow reasonable procedures to assure maximum possible accuracy...

> FCRA 611 ( a ) ( 5 ) ( A ) 15 U.S. Code 1681i ( a ) (
5 ) ( A ) : Shall maintain reasonable procedures designed to prevent the reappearance of information that is deleted.

> FTC Act 15 U.S. Code 45 : Unfair or deceptive acts or practices are hereby declared unlawful. 

You didnt just record false data you manufactured it. 
You scattered my identity then monetized the confusion. 
You triggered rejection by lenders, landlords, and scoring systems built to punish instability. 

-- - DIGITAL SABOTAGE & SYSTEMIC VIOLATIONS : The fragmentation of my file, injection of synthetic aliases, and unauthorized address linkage, multiple phone numbers that I never used, has corrupted my profile in systems Ive never touched. These distortions have trained AI and scoring algorithms to classify me as risky, unstable, and synthetic. This is not negligence its digital sabotage. 

> I believe this is not an isolated incident, but a systemic pattern of engineered delay, digital fragmentation, and controlled suppression. 
The tactics used against me may be harming thousands. 

-- - CIVIL PENALTY CLAUSE FCRA 616 & 617 I hereby reserve my legal right to pursue civil action under : FCRA 616 15 U.S. Code 1681n ( Willful Noncompliance ) FCRA 617 15 U.S. Code 1681o ( Negligent Noncompliance ) -- - EVIDENCE & EXECUTIVE DECLARATION : Documents enclosed for your Delightful Appetite. XXXX XXXX XXXX XXXX. 

May they satisfy your hunger to stall what is, by federal law, a mandatory obligation not a privilege, and certainly not your possession. 

XXXX For over XXXX years, youve bled me operationally and financially but spiritually, I stood in a XXXX you could never comprehend. 
While I fought across both realms Spiritually and Physically you launched your cowardly digital sabotage from the shadows. 


You added hundreds of inquiries, forged aliases, linked addresses I never lived at, and corrupted my profile then quietly deleted some, as if the damage hadnt already been broadcast across national databases. 

You didnt just damage a file You dragged my name, suppressed my identity, and made millions monetizing a corrupted digital version of who I am. 

-- - You are not protectors. You are pawns pawns of XXXX the XXXX XXXX and his henchs of wicked, perverse, despicable lowlives : XXXX XXXX  cloaked in consumer infrastructure. 


Respectfully Submitted With Absolute Legal Force, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Conceived in Prayer, Scroll-Forged Under Divine Chain XXXX XXXX XXXX and XXXX Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX Protections & Corporate Transparency Standards > " Strategic Power and Wealth are Never Rightfully Claimed Through Systemic Corruption They Are Earned, Refined, and Executed in Perpetual Motion Through Righteousness and Unyielding Force XXXX XXXX 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation