Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : This matter is directly connected to multiple formal complaints already filed with the Consumer Financial Protection Bureau ( CFPB ), concerning violations by TransUnion, XXXX, and the U.S. Department of Education. These complaints include : CFPB XXXX XXXX XXXX CFPB XXXX XXXX. XXXX CFPB XXXX XXXX. XXXX CFPB XXXX XXXX. XXXX CFPB XXXX XXXX. XXXX CFPB XXXX XXXX. XXXX CFPB XXXX XXXX. XXXX CFPB XXXX XXXX. XXXX CFPB XXXX XXXX. XXXX CFPB XXXX XXXX. XXXX Each of these filings ' documents systemic violations of federal law and consumer rights, including the refusal to validate alleged debts, failure to correct false tradelines, and ongoing credit damage Summary of Disputed Accounts Student Loan Accounts Serviced by XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts reflect fraudulent or invalid reporting including false delinquency notations, improper charge-offs, and violations of dispute protocols Legal Grounds for Dispute FCRA Violations ( 15 U.S.C. 1681 et seq. ) Failure to maintain accurate credit files, verify disputed information, or correct errors Truth in Lending Act ( TILA ) Lack of proper disclosure, consent, or enforceable agreement RESPA ( 12 U.S.C. 2605 ) Failure to respond to Qualified Written Requests ( QWRs ) Fair Debt Collection Practices Act ( FDCPA ) Reporting of invalid, unverified, or paid debts Due Process Violations Burden shifting and coercive tactics such as requiring the consumer to self-incriminate or file fraudulent affidavits Metro 2 and OSCAR Violations Improper coding, dispute handling, and procedural noncompliance Executive Order XXXX The continued enforcement of non-binding, statutorily unsupported debt violates federal directives mandating the repeal of unlawful administrative actions Clarification Regarding Uploaded File Executive Order XXXX ( Presidential Memorandum I recently uploaded a document titled Executive Order XXXX. This XX/XX/year>, directive instructs federal agencies to cease enforcement of regulations or practices not explicitly authorized by statute or precedent Advantages and the Department of Educations actions fall under this category. This order supports my demand for discharge and deletion of the disputed student loan accounts Demand for Arbitration under TransUnion Terms In accordance with TransUnions own Consumer Disclosure Agreement and pursuant to the binding arbitration clause, I am formally invoking arbitration through the XXXX XXXX XXXX ( XXXX ) I demand resolution and relief for the harm caused by TransUnions willful and negligent credit reporting, including Inaccurate tradelines Denial of credit and financial injury Emotional and reputational damage Failure to follow Metro 2 dispute coding and protocols.

Refusal to delete unverifiable accounts after valid dispute under FCRA 1681i ( a ).

Relief Requested Full deletion of the disputed accounts Formal written apology and notice of correction Statutory and actual damages for harm caused XXXX arbitration fees paid by TransUnion per their own clause Cease-and-desist from all further reporting of these accounts This arbitration demand is enforceable, and the CFPB is urged to intervene under its authority to protect consumers and ensure industry compliance. If TransUnion fails to respond or pay arbitration fees within 30 days, I will pursue this matter in federal court Final Notice I reserve all rights under UCC 1-308, without prejudice Further violations will be pursued as willful, knowing and actionable under federal law.

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