Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a Private American, held in trust under the Full Faith and Credit of the United States, formally submit this Notice of Injury regarding unlawful credit reporting by XXXX XXXX, XXXX, and XXXX XXXX XXXX. These entities continue to furnish inaccurate, misleading, and injurious information, despite : The recent data breach affecting credit bureaus, rendering their records compromised and unreliable. 
The failure to produce verified proof of claim or a lawful contract with my wet-ink signature. 
The unlawful administration of a trust name without consent, full disclosure, or consideration. 
Notice of Injury & Breach of Consumer Protection Rights 1. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to verify accuracy and remove unverifiable information. 
The data breach affecting the credit bureaus further invalidates assumed accuracy, as personal data has been compromised, accessed, and altered without consent. 
The reporting entities have failed to provide verified proof of debt, which constitutes willful misrepresentation and fraudulent reporting.

2. Violation of 12 U.S.C. 411 Lawful Money & Lack of Consideration 12 U.S.C. 411 states that Federal Reserve Notes are not lawful money and that all obligations must be redeemable in lawful money upon demand. 
Since all transactions were conducted in Federal Reserve Notes ( fiat currency ) which, per XXXX XXXX XXXX XXXXXXXX XXXX XXXX, are null and voidthere exists no lawful consideration for any alleged obligation.

Any alleged debt based on fiat currency lacks full legal standing under public policy and equitable doctrines. 
3. Unlawful Assumption of Consent & Administration of a Trust Name No consentverbal, non-verbal, implied, expressed, written, or unwrittenhas been given for these entities or credit reporting agencies to furnish, maintain, or process this information.

If consent is presumed, let this serve as a formal, written revocation and opt-out notice. 
These entities are attempting to administer a name held in trust without expressed fiduciary authority, which constitutes misrepresentation and injury. 
4. Breach of Duty, Privacy Violations & Willful Misrepresentation The recent data breach has compromised the legitimacy of all reported accounts, making any adverse reporting a direct violation of the Privacy Act and public law.

The Fair and Accurate Credit Transactions Act ( FACTA ) also mandates creditors to protect consumer data, which has not been upheld. 
Since these accounts have already been charged off, any further reporting constitutes an act of unjust enrichment and fraudulent misrepresentation.

Remedy Sought Immediate deletion or update of these accounts to reflect Paid as Agreed.

The data breach invalidates the reliability of reporting.

The lack of verified contractual obligation nullifies any enforceable claim.

The use of fiat currency ( Federal Reserve Notes ) as unlawful consideration voids the obligation.

Proof of Contract & Legal Standing : Provide verified, wet-ink proof of contract demonstrating that I, the Principal, knowingly agreed to act as surety.

If no such contract exists, all reporting is unlawful and must be removed immediately.

Cease & Desist from Further Reporting : Any continued reporting without verifiable proof will be deemed an intentional act of fraud and financial injury.

Further noncompliance will trigger escalation to the Attorney General, CFPB enforcement division, and legal action for damages.

Final Notice of Opt-Out & Revocation of Consent If consent is being assumed, let this serve as a formal, written opt-out and revocation of all assumed consent regarding the reporting, maintaining, or processing of these accounts. 

This matter must be corrected immediately, or it will be considered willful noncompliance, subject to legal remedy, administrative enforcement, and damages claims. 
I demand a full investigation and immediate correction under 15 U.S.C. 1681, 12 U.S.C. 411, the Privacy Act, and all applicable consumer protection laws. 

Sincerely, XXXX XXXX Without Prejudice ( UCC 1-308 ) All Rights Reserved

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