Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TRANSUNION REMOVED MY XXXX CREDIT CARD ACCOUNT XXXX XXXXXXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH XXXX XXXX XXXX  TO DO THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled " Conspiracy Against Rights, '' makes it a federal crime for XXXX or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised XXXX. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. 
Key Aspects of Section XXXX Conspiracy : The law focuses on an agreement or plan between XXXX or more individuals. 
Targeted Rights : The conspiracy must be against rights secured by the U.S. Constitution or federal laws. 
Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. 
Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. 
Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
How it Differs from Section XXXX It's important to distinguish Section XXXX from Section XXXX. While Section XXXX addresses conspiracies against rights, Section XXXX targets individuals who, acting " under coloXXXX of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. 


The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. 
Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the XXXX major CRAs ( XXXX  TransUnion, and XXXX ) once every XXXX months. 
Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. 
Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it.

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