Consumer complaint received 2025-09-15 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:
TRANSUNION HAS NOT BEEN CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES. I HAVE FOLED THREE DIFFERENT DISPUTES ON TRANSUNION ONLY FOR THEM TO CLOSE MY DISPUTES WITH NO INVESTIGATION. ALSO TRANSUNION TOOK OFF MY XXXX CREDIT CARD ACCOUNT OF 44 YEARS TO DO DETRIMENTAL HARM TO MY CREDIT REPORTS. 



TRANSUNION XXXX Inactive modal An official website of the United States Government Logged in as XXXX XXXX XXXX Start a new complaint All complaints XXXX complaint Closed Submitted StatusSubmitted to the CFPB on XXXX reporting or other personal consumer reportsIssueUnable to get your credit report or credit score 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 ALL OF THESE ACCOUNTS ARE OVER THIRTY DAYS. IMMEDIATE ATTENTION NEEDED ASAP!! ! XXXX PLUS I AM A XXXX XXXX XXXX WAR VETERAN WHO FOUGHT FOR THIS DISLOYAL XXXX COUNTRY TO COME HOME AND BE ATTACKED BY AI FOR THE FAKE THREE GOVERNMENT CREDIT REPORTING AGENCIES. CFPB HAS NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS!! ! XXXX HIDDING ANSWER TO DISPUTE FROM PUBLIC. I WILL SHOW YOU THIER RESPONSE TO MY DISPUTE. I HAVE THE SAME INFORMATION REPORTING AFTER BEENING REMOVED FROM ALL THREE BUREAUS, NOW ALL THREE BUREAUS REPORTING INACCURATE AND DEROGATORY MARKS AGAIN DOING GRAVE DETRIMENTAL AND DISLOYAL HARM TO ME MY FAMILY AND THE UNITED STATES GOVERNMENT WHICH I AM A EMPLOYEE OF. 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 Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem 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 Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Sincerely : THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX View full complaint Information requested Status CFPB requested more information from you on XX/XX/XXXX Please provide the information we need to keep your complaint moving. We need your help to : Determine which company you want us to send your complaint to for response. We can only send your complaint to one company. Please Provide : A document with as much company contact information as possible, such as the addresses of building locations, company websites, and phone numbers. Attachments Provided XXXX XXXX ( XXXX KB ) XXXX XXXX ( XXXX KB ) XXXX XXXX  ( XXXX ) .XXXX  ( XXXX KB ) XXXX XXXX ( XXXX KB ) Information received Status CFPB received requested information from you on XX/XX/XXXX Thank you for replying to our request for information. We are now able to resume work on this 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. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed, a final response will be forwarded to you for review. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX  at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX  Please note that you may also submit your request or documents supporting your claim electronically at XXXX. You may also visit XXXX dispute center by visitingXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with XXXX. Privacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX a.m. to XXXX XXXX XXXX Monday through Friday ( except federal holidays ). More than 180 languages available. US Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail. ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER 44 YEARS OLD [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. 
XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX XXXX XXXX ( XXXX KB ) XXXX ( XXXX MB ) Viewfull complaint Sent to company StatusSent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 
Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 
Company still working StatusCompany response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 
COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 
Marked as duplicate StatusMarked as a duplicate complaint on XX/XX/XXXX This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. 
Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX to XXXX XXXX. XXXX, Monday through Friday ( except federal holidays ). 
More than 180 languages available. 
An official website of the United States Government Inactive modal Inactive modal Inactive modal Complaint Detail Inactive modal An official website of the United States Government Logged in as XXXX XXXX XXXX XXXX a new complaint All complaints Inactive modal An official website of the United States Government Logged in as XXXX XXXX XXXX XXXX a new complaint All complaints XXXX complaint Closed Submitted StatusSubmitted to the CFPB on XXXX reporting or other personal consumer reportsIssueProblem with a company 's investigation into an existing problem 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 CFPB HAS NOT BEEN CONDUCTING THOROUGH INTERNAL INVESTIGATIONS!! ! XXXX FAKE GOVERNMENT ENTITY CFPB!! ! XXXX NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB DID NOT SEND MY DISPUTE TO THE COMPANY FOR A FULL MONTH WHAT IS GOING ON HERE. WE THE PEOPLE ASK FOR TRANSPARENCY!! ! XXXX 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 Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Debt collection Issue Attempts to collect debt not owed 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 XXXX XXXX XXXX XXXX XXXX Trans Union, XXXX  and 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 Union, 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 XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the Deptartment of EducationXXXX ; 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. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Section 1367 codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 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. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX 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  'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 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 FINANCE ACCOUNT, ALSO XXXX XXXX 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX XXXX  ) Attachments XXXX Spooler.jpg ( XXXX KB ) XXXX ( XXXX KB ) XXXX XXXX ( XXXX KB ) Hide full complaint What product or service is your complaint about? PRODUCT OR SERVICE Debt collection TYPE Auto debt What type of problem are you having? Inactive modal Issue Attempts to collect debt not owed Have you already tried to fix this problem with the company? Yes Did you request information from the company? No Type of Issue Debt was already discharged in bankruptcy and is no longer owed What happened? XXXX XXXX XXXX XXXX XXXX, Trans Union, XXXX  and 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 Union, 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 XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the Deptartment of EducationXXXX ; 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. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Section 1367 codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 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. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) .XXXX 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 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX 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 XXXX. POSTAL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 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 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX XXXX  ) I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Inactive modal What would be a fair resolution to this issue? XXXX XXXX XXXX XXXX XXXX, Trans Union, XXXX and 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 Union, 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 XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the Deptartment of EducationXXXXXXXX ; 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 XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Section 1367 codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 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. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX 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 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 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

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