Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
CFPB KEEPS IMPLING THAT THIS IS A DUPLICATE DISPUTE AND NEVER CONDUCTED A THOROUGH INTERNAL INVESTIGATIONS OF DISPUTE AT HAND, THIS IS A UNCONSTITUTIONAL VIOLATION OF CONSUMERS RIGHTS. 
RESULTING IN VIOLATIONS OF THE FAIR CREDIT REPORTING ACT, ALSO VIOLATIONS OF 18 USC Section 241 ( CONSPIRACY ) INVOLVING XXXX, XXXX, AND TRANSUNION!! ! XXXX I HAVE SUBMITTED ALL EVIDENCE THAT IMPLICATES ALL ENTITIES INVOLVED. IF NOT INVESTIGATED THOROUGH, AND INTERNALLY BY THE CONSUMER FINANCE PROTECTION BUREAU WHICH WAS PUT INTO PLACE FOR CONSUMERS RIGHT 'S, ALL STATUES OF ENGLAND 'S OLD LAW WILL IMPLY IN UNITED STATES LAW TO APPLY MAXIUM PUNISHMENT ALLOWABLE!! ! XXXX Inactive modal XXXX XXXX  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 Closed Submitted Status Submitted to the CFPB on XX/XX/year>XXXX  Product Credit reporting or other personal consumer reports Issue Incorrect information on your report 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 SCUMBAGS OF THE LOWER EARTH, NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX FACIST ACTIVITIES ON THE MASSES WITH DEMONIC INTENT OF PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX AND XXXX YOU ARE WITH THE SWIFTNESS OF THE XXXX!! ! XXXX I HAVE INCLUDED A COPY OF MY MOST RECENT UTILITY BILL, AND A COPY OF MY XXXX ID AND A COPY OF MY SOCIAL SECURITY CARD. I AM FILING THIS DISPUTE ON BEHALF OF MYSELF THE REAL PERSON OF XXXX XXXX XXXX. I THE EXECUTOR OF THE ESTATE OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. CFPB HAS NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT PERTAINING TO ON GOING DETRIMENTAL HARM TO MINORITIES OF ENTITIES SUCH AS XXXX XXXX XXXX XXXX HAS BEEN CONDUCTING. REFUSING TO CONDUCT THOROUGH INVESTIGATIONS ON FRAUDULENT, COMMINGLING, CONSPIRACY WITH XXXX XXXX XXXX XXXX AND ASSOCIATED ENTITIES XXXX, TRANSUNION, AND XXXXXXXX XXXXXXXX. I FILED A SEPERATE DISPUTE WHICH INVOLVED CONTINUING UNALIGNING BEHAVIOR OF CFPB NOT DOING ITS DUE DILIGENCE IN CONDUCTING PROPER THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES!! ! XXXX CFPB IS CONTINUOUSLY STATING THIS IS A DUPLICATE COMPLAINT, BUT STILL ALLOWING DETRIMENTAL HARM TO BE DONE TO MONIORITIES OF ALL CULTURES EXCEPT XXXX???? THIS IS NOT A DUPLICATE COMPLAINT AS YOU WILL SEE IN MY DISPUTE AT HAND!!! I HAVE A COPY OF THIS DISPUTE THAT HAS NOT BEEN HANDLED WITH THE PROPER TECHNIQUES NEEDED TO CONDUCT THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN EQUIFAX AND TRANSUNION!! ! XXXX STOP STATING THAT THIS DISPUTE IS A DUPLICATE AND DO YOUR DUE DILIGENCE IMMEDIATELY!! ! XXXX Inactive modal XXXX XXXX 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 Closed Submitted Status Submitted to the CFPB on XX/XX/year>XXXX  Product Credit reporting or other personal consumer reports Issue Incorrect information on your report 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 THIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX THIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX I HAVE INCLUDED A COPY OF MY XXXX ID, A COPY OF MY LATEST UTILITY BILL, AND A COPY OF MY SOCIAL SECURITY CARD. THIS DISPUTE DOES NOT NEED A THIRD PARTY!! ! XXXX I AM FILING ON MY OWN BEHALF AI!! ! XXXX HAHAHA I AM A DECORATED WAR VETERAN WHO FOUGHT FOR THIS COUNTRY IN XXXX XXXX XXXX XXXX. ONLY TO BE RUDELY ATTACKED BY AI TECHNOLOGY WHICH IS USED AGAINST THE CIVIL RIGHTS OF ALL MONIORITIES BY XXXX, TRANSUNION, AND XXXX!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). Dispute Rights : You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( XXXX, XXXX, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. Dispute Rights : You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. I AM A REAL HUMAN AI!! ! XXXX XXXX  FAKE GOVERNMENT ENTITY DROPPED MY SCORE BY XXXX USING A FRAUDULENT CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX XXXX WHICH WAS REMOVED BY XXXX  AND TRANSUNION DOING DETRIMENTAL HARM TO ME THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SINCE XXXX XXXX XXXX XXXX HAD TO REMOVE THIS ACCOUNT, THIS ENTITY IS STILL USING OTHER WAYS TO DUE DETRIMENTAL HARM OF A CONSUMER BY VIOLATION OF 18 USC Section 241 ( CONSPIRACY ) BETWEEN XXXX  AND XXXX XXXX XXXX XXXX. ALSO BOTH USED MY CREDIT REPORTS ILLEGALLY BY SELLING OF FALSE INFORMATION AND WITHOUT NOTIFYING ME THE CONSUMER THE EXECUTOR OF THE ESTATE OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include XXXX  or an XXXX XXXX XXXX XXXX XXXX XXXX or an attempt to commit aggravated XXXX XXXX, or an attempt to XXXX, they shall be fined under this title or XXXX  for any term of years or for life, or both, or may be sentenced to death. STOP PLAYING THESE SILLY GAMES XXXX XXXX XXXX XXXX XXXX XXXX ( UNFIT, INCOMPETENT, XXXX STATUS, XXXX BAIS WHAT TO BE XXXX XXXX XXXX XXXXXXXX Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company Status Sent to company on XX/XX/year>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/year> 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 Our review of this matter is in progress and we will respond as soon as possible Marked as duplicate Status Marked as a duplicate complaint on XX/XX/year>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 OMB # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX XXXX  An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail WHY IS XXXX, AND XXXX, TRANSUNION REPORTING DIFFERENTLY, WHEN THIS CREDIT CARD FROM XXXX XXXX XXXX XXXX HAS ACTUALLY BEEN REMOVED, BUT XXXX XXXX XXXX XXXX THROUGH XXXX IS STILL REPORTING A ACTIVE ACCOUNT ON THIS CREDIT CARD FROM XXXX XXXX XXXX XXXX, ALSO XXXX XXXX XXXX XXXX IS REPORTING THIS FRAUDULENT ACCOUNT TO XXXX. THIS FALLS UNDER XXXX XXXX XXXX XXXX ( CONSPIRACY ) BETWEEN TWO ENTITY 'S TO DO HARM TO A CONSUMER!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( XXXX, XXXX, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include XXXX  or an attempt to XXXX, XXXX  XXXX XXXX  or an attempt to commit XXXX  XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. 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. XXXX  OF THE LOWER EARTH, NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX  ACTIVITIES ON THE MASSES WITH XXXX  INTENT OF PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXXXXXX XXXX XXXX  YOU ARE WITH THE SWIFTNESS OF THE XXXX!! ! XXXX XXXX  HAS NOT BEEN CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED SINCE XX/XX/year>, CAUSING CONFUSION AND DETRIMENTAL HARM TO MINORITIES OF ALL COLORS AND CAUSING DETRIMENTAL HARM TO CONSUMERS OF AMERICA!! ! XXXX BELOW I HAVE PASTED A COPY OF MY DISPUTE THAT EXPERIAN NEVER CONDUCTED A PROPER AND THOROUGH INTERNAL INVESTIGATION INTO THIS MATTER AT HAND : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company Status Sent to company on XX/XX/year>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/year>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 Our review of this matter is in progress and we will respond as soon as possible. 
Marked as duplicate Status Marked as a duplicate complaint on XX/XX/year>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 XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday ( except federal holidays ). 
More than 180 languages available. 
XXXX XXXX  An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail

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