Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This serves as a formal dispute regarding the reporting of an inaccurate account on my consumer report related to XXXX  XXXX XXXX XXXX, account number XXXX. After a pending review of my credit report, I found this account reported by your agency. The reporting of this account is inaccurate and should not appear on my consumer report, as it violates 15 U.S.C. 1681s-2, which outlines the responsibilities of furnishers of information. As per this law, you have a duty to ensure the accuracy of the information you report. However, you have failed to provide me with any documentation to substantiate your claim that the reported in fact is accurate. Specifically, I requested the personal liability contract signed by both myself, XXXX XXXX XXXX XXXX, and the head of the XXXX XXXX XXXX XXXX  XXXX, which would indicate my enrollment in the XXXX XXXX XXXX XXXX XXXX  falls under contract law, and such documentation is critical to your assertion that I owe this alleged debt. I do not recall enrolling in any such program, nor did I provide any personal information, such as my birthdate, home address, or social security number, to XXXX  XXXX XXXX XXXX. Therefore, I am requesting proof of who provided this information, as the failure to provide accurate documentation is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Further, under 18 U.S.C. 1028A, providing false or unverified informa5on cons5tutes aggravated iden5ty the ). You claim that I owe this debt, but you have provided no proof to support this allega5on. Additionally, as a living man of flesh and blood, created by the Most High, no law or man has jurisdiction over me unless I have entered into a lawful contract.

Several case laws support my argument regarding the uncons5tu5onal nature of XXXX XXXX  : - **XXXX  XXXX XXXX XXXX XXXX XXXX was found to be unconstitutional. to formally dispute the reporting of child support on my credit report, as this information is inaccurate and unverifiable. This dispute is being submitted /ed pursuant to the Fair Credit Reporting Act ( FCRA ) under **15 U.S.C. 1681s-2**, which requires that information furnished to consumer reporting agencies be accurate and properly verified. 
The following details are being reported inaccurately on my consumer report : - Account Name : XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX  Account # XXXX - Inaccurate Information : Past due 120 days status as well as balance {$23.00}, XXXX Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to provide accurate information and ensure that any data shared with credit reporting agencies ( CRAs ) is correct and complete. If any errors are found or the informaDon can not be verified, it must be removed from my consumer report. 
Please conduct an invesDgaDon into the accuracy This le2er serves as a formal dispute regarding the repor5ng of an inaccurate account on my consumer report related to XXXX  XXXX XXXX XXXX, account number XXXX. A ) er a pending review of my credit report, I found this account reported by your agency. The repor5ng of this account is inaccurate and should not appear on my consumer report, as it violates 15 U.S.C. 1681s-2, which outlines the responsibili5es of furnishers of informa5on. 
As per this law, you have a duty to ensure the accuracy of the informa5on you report. However, you have failed to provide me with any documenta5on to substan5ate your claim that the reported in forma5on is accurate. Specifically, I requested the personal liability contract signed by both myself, Has XXXX XXXX XXXX XXXX, and the head of the XXXX XXXX XXXX XXXXXXXX XXXX, which would indicate my enrollment in the XXXX XXXX XXXX XXXX XXXX  falls under contract law, and such documenta5on is cri5cal to your asser5on that I owe this alleged debt. 
I do not recall enrolling in any such program, nor did I provide any personal informa5on, such as my birthdate, home address, or social security number, to XXXX  XXXX XXXX XXXX. Therefore, I am reques5ng proof of who provided this informa5on, as the failure to provide accurate documenta5on is a viola5on of my rights under the Fair Credit Repor5ng Act ( FCRA ). 
Further, under 18 U.S.C. 1028A, providing false or unverified informa5on cons5tutes aggravated iden5ty the ). You claim that I owe this debt, but you have provided no proof to support this allega5on. Addi5onally, as a living man of flesh and blood, created by the Most High, no law or man has jurisdic5on over me unless I have entered into a lawful contract.

Several case laws support my argument regarding the unconstitutional nature of XXXX XXXX XXXX - **XXXX XXXX XXXX XXXX XXXX XXXX was found to be unconstitutional. of the XXXX XXXX information being reported. If the information is found to be inaccurate or unverifiable, I demand that you immediately remove or correct the reporting of this account from my consumer report. 
I expect this ma/er to be resolved within 30 days as required by the FCRA. Please provide wri/en confirmaDon of the results of your invesDgaDon and any acDons taken to update or remove this informaDon. 
A/ached to this le/er, you will find copies of relevant documentaDon supporDng my claim ( e.g., credit report, idenDficaDon, and any other applicable evidence ). 
Thank you for your prompt a/enDon to this ma/er. I look forward to your response and the deleDon of the inaccurate XXXX XXXX  informaDon from my credit report

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