Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
-- - TO : Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND TransUnion, LLC XXXX. XXXX XXXX XXXX XXXX XXXXXXXX -- - RE : Formal Complaint and Demand for Immediate Removal of Invalid Account Reporting XXXX XXXX To Whom It May Concern, This letter shall serve as a formal complaint and legal demand directed to your offices in your capacity as consumer reporting agencies governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXXXXX XXXX XXXX 

It has come to my attention that your agencies continue to report an account associated with XXXX XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as a valid and enforceable obligation against my name. This action is being carried out without any lawful proof of mutual agreement, valid contract, or signed instrument binding the alleged creditor, XXXX XXXX, to any obligation. 


-- - I. NO ENFORCEABLE CONTRACT EXISTS As a Supreme Court judge with extensive understanding of the law of contracts, let it be firmly stated : A contract requires mutual assent, valid consideration, and reciprocal obligation. 

There is no signed agreement from XXXX XXXX demonstrating any commitment to loan funds, bear risk, or perform under the terms of the alleged instrument. 

The application and so-called " retail installment contract '' reflects only XXXX signaturemineand therefore does not constitute a meeting of the minds or a binding agreement. 

No lawful nexus exists binding me to a debt that the alleged creditor never affirmed or endorsed through signature, seal, or bonding. 


Thus, Experian and TransUnion are reporting a unilateral, unconscionable, and rescinded document as if it were a mutually enforceable legal instrument. This action is not only inaccurate under 15 U.S.C. XXXX ( b ) ( maximum possible accuracy ), it is willfully deceptive. 


-- - XXXX. CONTRACT RESCINDED AND UNENFORCEABLE This alleged contract has been lawfully rescinded, and notice of such rescission has been filed and served. The rescission stands unrebutted. Therefore, any continued reporting of this non-existent agreement constitutes : Misrepresentation of a financial obligation ; Fraudulent inducement of third-party reliance ; Participation in the enforcement of a void instrument. 


Experian and TransUnion, as data furnishers and reporting agencies, may not stand in the place of a court of law and enforce, presume, or validate a financial obligation that has no basis in contract, law, or consent. 


XXXX XXXX XXXX. LEGAL DEMAND FOR REMOVAL Accordingly, I demand the following : XXXX. Immediate deletion of the XXXX XXXX account from my credit reports ; XXXX. Written confirmation of removal within XXXX ( XXXX ) days of receipt of this notice ; XXXX. Cease-and-desist all future reporting of this account absent a fully executed, bilateral contract signed by both parties ; XXXX. Notification to any third parties to whom this false information was published, pursuant to FCRA XXXX ( d ). 




-- - XXXX. NOTICE OF LIABILITY Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and if necessary, civil action in federal court under : 15 U.S.C. XXXXn Willful noncompliance ( statutory damages and punitive damages ) ; 15 U.S.C. XXXXo Negligent noncompliance ( actual damages and attorneys fees ). 


No entity, including a credit bureau or financial institution, may report or enforce a financial obligation in absence of a valid mutual agreement. To do so is to knowingly participate in a fiction unsupported by law or equity. 

This account is under no litigation and has been placed on cease and desist -- Respectfully and firmly submitted, XXXX XXXX XXXX XXXX XXXX and 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