Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TRANSUNION HAS DONE TREMENDOUS HARM TO A XXXXXXXX XXXX XXXX  VETERAN WITH 100 % XXXX. REPORTING FRAUDULENT INACCURATE INFORMATION ON MY CREDIT REPORTS. TRANSUNION DROPPED MY SCORE BY REPORTING A TRADELINE FROM XXXX WHICH HAD ALREADY BEEN REMOVED, AND TRANSUNION PUT THIS SAME ACCOUNT BACK ON MY REPORTS FOR {$3900.00} DOLLARS, AND ALSO REMOVED MY XXXXXXXX XXXX XXXX ACCOUNT OF XXXX  YEARS, JUST TO DROP MY SCOR ANOTHER XXXX POINTS. TRANSUNION IS UNDER INVESTIGATION AS WE SPEAK FOR DROPPING MY SCORE XXXX POINTS FOR USING {$29.00} ON MY XXXX XXXX XXXX, MIND YOU TWO CHARGEOFFS WERE REMOVED AT THE SAME TIME OF USING {$29.00} ON MY XXXXXXXX XXXX XXXX. MY SCORE WAS HIT AGAIN DROPPING MY SCORE XXXX POINTS FOR TRANSUNION USING INACCURATE INFORMATION. I HAVE PROOF. TRANSUNION JUST REPUT XXXX BACK ON MY ACCOUNT FROM XXXXXXXX XXXX XXXX XXXX XXXX WAS NOT BORN UNTIL XXXX XXXX XXXX XXXX TRANSUNION IS THE XXXX OF THE EARTH USING A AI TO PUSH HATERED AND UNFAIR PRACTICES UPON XXXXXXXX XXXX, AND OTHER RACES. THIS WILL NOT CONTINUE. CFPB NEEDS TO DO A THOROUGH INTERNAL INVESTIGATION ASAP ON THIS MATTER AT HAND. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Profiling 1. The Fraud Act 2006 2. The Criminal Finances Act 2017 3.The Torts Act 1977 XXXX XXXX XXXX XXXX XXXXXXXX and Financial Services Act 2016 5. The Modern Slavery Act 2015 6. The Defamation Act 2013 7. The Financial Services Act 2012 8. The Misrepresentation Act 1967 9. The Malacious Communications Act 1988 10. The Data Protection Act 2018 11. The Protection from Harrassment Act 1997 12. The Theft Act 1968 13. The Bills of Exchange Act 1882 14. XXXX XXXX XXXX XXXX XXXX XXXX Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. 
That the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( XXXX ) 14th Amendment to the U.S. Constitution : Civil Rights ( 1868 ) Passed by Congress June 13, 1866, and ratified July 9, 1868, the 14th Amendment extended liberties and rights granted by the Bill of Rights to formerly enslaved people. 

AMENDMENT XIV Section 1. 
All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws. 

Section 4. 
The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. 

This whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! 369 VIOLATIONS : Excessive Taxes On Escrow. 
MISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! 369 VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! 369 WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! XXXX69 This In Fact Is A Quasi-Contract " Nemo debet locupletari ex aliena jactura ''. 

The Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act 2022 Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! 369 Enticement To Slavery Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablementXXXX XXXX  Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev XXXX XXXX ( XXXX ) Learn moreThis media-neutral citation is based on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is not necessarily the official citation. 

XXXX XXXX XXXX - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. 
B. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance. 
C. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.

( 2 ) Whether the money given is either a deposit or down payment.

( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.

( 4 ) A time limit in which to complete the transaction not to exceed twenty days. 
( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.

( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.

( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition. 
D. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.

( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment. 
( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction. 
( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.

( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section. 
E. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section.

Acts 2014, No. 423, 1 ; Acts 2016, No. 288, 1.

18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right. 
Unlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act. 

The offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved XXXX XXXX XXXXXXXX XXXXe, or resulted in death ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty. 

28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.

( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.

( 10 ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. 

( XXXX ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt. 

( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ). 

( 14 ) State means any of the severalStates, the District of Columbia, the Commonwealth of PuertoRico, the Commonwealth of the Northern Marianas, or any territory or possession of theUnited States.

( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States. 

Art VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States XXXX in pursuance of the present confederation, shall be deemed and considered as a charge against the United States XXXX for payment and satisfaction whereof the said United States XXXX and the public faith are hereby solemnly pledged. 

Fourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. 

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. 
I AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] WE THE PEOPLE!!!!!!!! 369 42 USC Ch. 126 : EQUAL OPPORTUNITY FOR INDIVIDUALS WITH XXXX From Title 42THE PUBLIC HEALTH AND WELFARE AI Mode All Images Videos News Short videos Shopping Forums Web Books Maps Flights Finance Search tools Feedback AI Overview +7 The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is a federal law that promotes the accuracy, fairness, and privacy of personal information held by Consumer Reporting Agencies ( CRAs ). It regulates how CRAs collect, use, and share consumer information, giving consumers rights such as access to their credit reports and the ability to dispute inaccurate data. The FCRA is enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
What the FCRA Does Promotes Accuracy : Requires CRAs to adopt reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. 
Ensures Fairness : Mandates that consumers are treated fairly and equitably by CRAs and grants consumers the right to dispute and correct errors on their credit reports. 
Protects Privacy : Limits access to consumer information to those with a permissible purpose, such as for credit, insurance, employment, or other specified uses. 
Regulates CRAs : Defines and sets standards for entities that compile and sell consumer credit information, including the major national bureaus like Experian, XXXX  and TransUnion, and even smaller operations like detective agencies or background check companies. 
Key Consumer Rights Under the FCRA Access to Information : Consumers have the right to request and receive a copy of their credit report from a CRA. 
Dispute Inaccurate Information : Consumers can dispute information in their credit report that they believe is inaccurate, outdated, or unverifiable. 
Disclosure of Identity of Users : Consumers can find out who has accessed their credit report. 
Key CRA Responsibilities Under the FCRA Reasonable Procedures : CRAs must have procedures to ensure the maximum possible accuracy of the information they report. 
Disclosures : CRAs must disclose the contents of a consumer 's file to the consumer upon request. 
Dispute Resolution : CRAs must reinvestigate disputed items and correct any errors found. 
Enforcement The FCRA is enforced by the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and through private litigation by consumers.

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