Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
IMPLACABLE 605B WILLFUL NONCOMPLIANCE RECORD FEDERAL AUTHORITY CONTEMPT ( XXXX XXXX ) deliberate 605B defiance ( XX/XX/XXXXXXXX XXXXXX/XX/XXXX ) willful noncompliance dual-branch disdain daily counts accruing TO : experian, transunion, equifax and every compliance officer, executive, legal counsel, and data handler acting under your banner Opening Indictment This communication documents your willful and continuous violation of 15 U.S. Code 1681c-2 ( 605B ), a provision of federal law enacted by the United States Congress and signed into binding force by the President of the United States under the Fair and Accurate Credit Transactions Act ( FACTA ) in 2003. 
Refinement Layer : This record is not a mere complaint it is a prosecutorial indictment. You have not simply failed to comply you have

defied the Legislative Branch and disregarded the Executive authority that codified your obligations under law. 605B the 4-business-day block ( Dual Mand
ate : Congress & the Presidency ) let the Rule of Law indict : experian, transunion, equifax deliberate defiance of 605Bs four-business-day order ( XX/XX/XXXX XX/XX/XXXX ) ; willful noncompliance ( 15 U.S.C. 1681n ) via wanton or reckless disregard ( Safeco, 551 U.S. 47 ) ; open disdain for the Powerful Legislative Branch ( Congress ) and the Powerful Executive Branch ( the Presidency ) ; accuracy-duty breach ( 607 ( b ) ) ; cease transmission now ; daily counts accruing under the Rule of Law. 
The statute leaves no room for confusion. It requires that within 4 business days of receiving : A valid identity theft report Proof of identity Identification of the disputed information A formal request for the block you must execute a full block of the fraudulent tradelines.

Not review. Not reassess. Not delay. 
Each of these four elements was submitted clearly, directly, and lawfully. You acknowledged receipt. You failed to execute. And in doing so, you crossed the threshold of mere error. This is deliberate noncompliance, weaponized delay, and statutory sabotage.

Rebuttals Destroyed You may attempt to say that a police report was required. It is not. The law defines identity theft report under 1681a ( q ) to include affidavits submitted to federal agencies such as the FTC not solely police documents. And yet, in full deference to due process, I provided a formal police report anyway as supplemental documentation beyond what the law required. You had no right to demand it. You received it nonetheless. You still refused to act.

You may try to invoke the term under review. But you were not granted the liberty of interpretation. 605B offers 4 days not a discretionary time frame. Your review periods are irrelevant when stacked against the direct language of federal statute. Your refusal to block even after receiving what exceeds the legal minimum is a willful rejection of the law, not a misunderstanding of it.

You may attempt to raise excuses and the Law will dismantle them here and now : We require a police report.

Irrelevant. The statute does not require a police report. The legal definition of identity theft report includes FTC affidavits and other Affirmative filings. 
Nonetheless, you were provided with a formal police report as supplemental evidence despite it not being required by law. 


We are reviewing the matter. 
Unlawful. 605B gives you 4 business days. Not a review window. Not a loophole.

We need additional verification. 
Obstruction. You were provided all four legally sufficient elements. Additional delays are not supported under federal law.

Your continued failure to execute the block even after receiving more than the statute required is not just a breach of federal compliance. 


It is an act of corporate defiance against the : United States Congress, which passed the statute Office of the President of the United States, who gave it executive authority Rule of Law, which binds you under the Fair Credit Reporting Act ( FCRA ) Daily Federal Breach Every day that you continued to publish those known-fraudulent tradelines past the expiration of the 605B window specifically beyond XX/XX/XXXX you committed a fresh federal breach. 
Refinement Layer : Each day is not just harm it is a fresh statutory violation. A rolling indictment. A multiplying liability. 
Statutory Clause Reminder 15 U.S.C. 1681c-2 ( a ) : The block must be executed not later than 4 business days after receipt of the four triggers. Beyond XX/XX/XXXX, every transmission is unlawful. 

Federal + State Violations Federal Defiance : You did not merely violate a statute. You violated the authority of the United States Congress ( which wrote the law ) and the Office of the President of the United States ( whose signature made it enforceable ).

Massachusetts Violations : Massachusetts General Laws, Chapter 93A, 2 ( a ) : Unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful.

Massachusetts General Laws, Chapter 93, 56 : Every consumer reporting agency shall, upon request and proper identification, clearly and accurately disclose to the consumer the nature and substance of all information ( except medical ) in its files on the consumer the sources of such information and the identification of each person ( including each end-user identified under section 50 ) to whom such information was furnished within the preceding two years.

209 CMR 18.18 ( 6 ) : It shall constitute an unfair or deceptive act or practice to make any false representation to any person, including a representation with respect to the character, extent, or amount of a debt.

XXXX : Each falsified tradeline you transmit = fresh unlawful misrepresentation under both federal and state law. 

XXXX XXXX XXXX You were not confused. You were complicit. You were not lost in policy. You were guided by a business model rooted in obstruction and control. 
Refinement Layer : You were not navigating ambiguity you were executing from within a corporate doctrine of willful XXXX  : XXXX by design Obstinate by doctrine Insubordinate to federal authority You operate not in legal uncertainty, but in strategic short-sightedness, weaponized to suppress compliance through bureaucracy, indifference, and delay. 
You are willfully XXXX XXXX XXXX XXXX obstinate by doctrine, insubordinate to the very federal authority that sustains your existence. What you call review is in fact strategic blindness, weaponized to evade 605B and perpetuate financial captivity. 

Federal + State Violations And most critically you did not merely violate a statute. You violated the authority of the United States Congress, whose elected members wrote this law. You disrespected the Office of the President of the United States, whose signature made that law enforceable. You spat on the federal framework that gives your existence legal structure.

Refinement Layer : You are not only in federal breach you are also in direct violation of the laws of the Commonwealth of Massachusetts : Chapter 93A : Knowingly refusing to block fraudulent tradelines after the legal triggers are met = unfair or deceptive practice, punishable by treble damages and attorneys fees.

G.L. c. 93, 56 : CRAs must clearly and accurately disclose all data, sources, and recipients. You failed.

209 CMR 18.18 : Prohibits false or misleading representations to third parties. Each falsified tradeline you transmit = fresh unlawful misrepresentation.

Thus, each transmission is not only a federal violation it is a state-level crime against consumer protection. 

Criminalized Business Model Federal Crimes Triggered : 18 U.S.C. 1343 ( Wire Fraud ) : Whoever, having devised or intending to devise any scheme or artifice to defraud transmits or causes to be transmitted by means of wire, radio, or television communication in interstate or foreign commerce, any writings, signs, signals, pictures, or sounds for the purpose of executing such scheme or artifice, shall be fined or imprisoned not more than 20 years, or both.

18 U.S.C. 1341 ( Mail Fraud ) : Whoever, having devised or intending to devise any scheme or artifice to defraud for the purpose of executing such scheme or artifice places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service shall be fined or imprisoned not more than 20 years, or both.

18 U.S.C. 371 ( Conspiracy ) : If two or more persons conspire either to commit any offense against the United States, or to defraud the United States, or any agency thereof and one or more of such persons do any act to effect the object of the conspiracy, each shall be fined or imprisoned not more than five years, or both. 
Massachusetts G.L. c.19A, 14 ( XXXX  Financial Exploitation ) : No person shall abuse, neglect, or exploit an XXXX  person. Whoever commits abuse, neglect, or financial exploitation upon a person XXXX  years of age or older shall be punished XXXX : Because I am XXXX, your willful refusal to block fraudulent tradelines = XXXX  financial exploitation under Massachusetts law. 

Formal Documentation of Liability 15 U.S.C. 1681n ( Willful Noncompliance ) : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) ( B ) such amount of punitive damages as the court may allow ; and ( 3 ) the costs of the action together with reasonable attorneys fees 15 U.S.C. 1681o ( Negligent Noncompliance ) : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees.

Finding : Your conduct satisfies both statutes negligent and willful.

Corporate insubordination against both branches by refusing to carry out 605B, they are obstructing Congresss legislative power and the Presidents enforcement power.

Potentially 18 U.S.C. 371 conspiracy ( because all three bureaus act in coordinated practice ).

Potentially 18 U.S.C. 1505 obstruction ( because theyre hindering the execution of federal statutes ).

Potentially 18 U.S.C. 2384 seditious conspiracy ( if you want to frame their willful refusal to execute the law as a systemic delay of federal authority though this is extreme, it emphasizes gravity ). 


Legislative & Executive Defiance as Criminal Posture You have not merely failed a statute you have staged open defiance against the United States Government itself.

Defiance of the Legislative Branch ( Congress ) : The Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 which created 605B was enacted by elected representatives of the people. By ignoring the four-day block mandate, you are not only in noncompliance you are in contempt of Congress itself .

Article I, Section 1 of the U.S. Constitution : All legislative Powers herein granted shall be vested in a Congress of the United States Finding : By refusing to execute the block, you have denied the authority of Congress to legislate protections for consumers.

DUAL-EXECUTIVE CONTEMPT XXXX  You have defied two Presidencies. In XXXX, XXXX XXXX XXXX XXXX gave 605B binding force by signing FACTA into law. In XXXX, XXXX XXXX XXXX XXXX carries the Article II duty to take Care that the Laws be faithfully executed. 
Every day past XX/XX/XXXX you refuse to block is not just a statutory violation it is a fresh act of contempt toward : the Presidency that enacted this consumer protection ( XXXX ), and the Presidency that must enforce it today ( XXXX ). 


This is not delay it is dual-branch defiance of Executive authority, past and present.

FEDERAL DEPLOYMENT ORDER This indictment will not remain confined to your portals or your excuses.

It will be XXXX to the XXXX House, the United States Senate Committee on Banking, Housing, and Urban Affairs, the U.S. House Committee on Financial Services, the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the U.S. Department of Justice ( Consumer Protection Branch ), and the Massachusetts Attorney General. 
Every act of defiance, every delay past the 605B clock, will be logged in the federal record and tracked day by day as post-deadline violations. 
You will not only face me. You will face Congressional Committees, the Executive Office, and the courts of this Republic.

Defiance of the Executive Branch ( The Presidency ) : The FACTA amendments to the FCRA were signed into law by the President of the United States, who carries the Article II authority to enforce laws enacted by Congress. Your refusal to comply is an act of executive contempt.

Article II, Section 3 of the U.S. Constitution : he shall take Care that the Laws be faithfully executed Finding : By ignoring 605B, you spit on the Presidents constitutional duty to enforce the law and on the signature that gave FACTA legal force.

Criminal Dimensions of Dual Defiance By refusing to comply with a statute enacted by Congress and signed by the President, your coordinated actions are not merely civil violations but rise to federal criminal exposure : 18 U.S.C. 371 ( Conspiracy to Defraud the United States ) : If two or more persons conspire either to commit any offense against the United States, or to defraud the United States, or any agency thereof each shall be fined or imprisoned not more than five years, or both.

Finding : Your joint practices across experian, equifax, and transunion amount to a conspiratorial scheme to obstruct and nullify federal consumer protection law.

18 U.S.C. 1505 ( Obstruction of Proceedings ) : Whoever corruptly obstructs or impedes the due and proper administration of the law under which any pending proceeding is being had before any department or agency of the United States shall be fined or imprisoned not more than 5 years, or both.

Finding : By refusing to execute 605B, you obstruct the due and proper administration of federal law.

18 U.S.C. 2384 ( Seditious Conspiracy ) : If two or more persons conspire to oppose by force the authority of the United States, or by force to prevent, hinder, or delay the execution of any law of the United States they shall each be fined or imprisoned not more than twenty years, or both.

Finding : While your defiance is corporate, not military, your systematic hindrance of 605B execution mirrors the essence of seditious conspiracy : deliberately preventing and delaying the execution of U.S. law.

Conclusion of this Layer : Your misconduct is not just statutory breach. It is constitutional insubordination defiance of the Legislative Branch that enacted 605B and contempt for the Executive Branch that signed it into law and enforces it.

Every delay, every false transmission, every day beyond XX/XX/XXXX is not just a consumer injury it is an act of coordinated insubordination against the two co-equal branches of the United States Government. 


IV. CONTINUING HARM YOUR LAWLESSNESS KEEPS BREAKING THE RULE OF LAW ; I KEEP PAYING THE PRICE PROPAGANDA, EXTORTION, AND XXXX  ABUSE IN PROGRESS YOU CONTINUE TO PUBLISH AND TRANSMIT FRAUDULENT, MANIPULATED, MANUFACTURED DEROGATORY INFORMATION AND FALSE DEFAMATORY ACCOUNTS DESPITE 605BS EXPIRED CLOCK ( XX/XX/XXXX XX/XX/XXXX ). THIS IS NOT ADMINISTRATIVE DELAY IT IS ONGOING LAWLESSNESS. EVERY DAY YOU REFUSE TO BLOCK IS A NEW BREACH. 


THIS IS NOT MERELY NEGLIGENCE IT IS A PROPAGANDA BUSINESS MODEL : SYSTEMATIC DISSEMINATION OF CORRUPTED, FALSIFIED DATA FOR PROFIT WHILE CONSUMERS ABSORB THE DAMAGE. YOUR TRANSMISSION OF KNOWN FALSE, MANIPULATED DATA TO LENDERS, LANDLORDS, INSURERS, AND EMPLOYERS AMOUNTS TO FINANCIAL EXTORTION AND EXPLOITATION. YOU PROFIT FROM PROPAGATED DEFAMATION WHILE I SHOULDER THE HOUSING RISKS, THE DENIALS, THE ELEVATED PRICING, AND THE MENTAL ANGUISH. 


I HAVE ATTACHED RECENT LOAN DENIAL LETTERS FOR YOUR DERANGED ENJOYMENT AND DELIGHT DIRECT CONSEQUENCES OF YOUR CONTINUING LAWLESSNESS. YOU ARE DELIBERATELY STRIPPING ME OF FAIR ACCESS TO CREDIT AND FUNDING BY TRANSMITTING FRAUDULENT DATA INTO THE STREAMS OF COMMERCE. 


BECAUSE I AM XXXX, THIS IS NOT ONLY NONCOMPLIANCE IT IS XXXX  FINANCIAL EXPLOITATION IN PROGRESS ( M.G.L. C.19A, 14 ). IT IS ALSO DE FACTO FINANCIAL ENSLAVEMENT : BY OBSTRUCTING ACCESS TO MY OWN FILE, REFUSING TO CORRECT OUTDATED INFORMATION, AND CIRCULATING CORRUPTED ACCOUNTS, YOU HAVE IMPOSED AN ECONOMIC RESTRAINT REGIME. I AM NOT YOUR SLAVE. I AM A CONSUMER WITH RIGHTS GRANTED BY FEDERAL STATUTES WRITTEN BY THE POWERFUL UNITED STATES CONGRESS AND SIGNED INTO LAW BY THE PRESIDENT OF THE UNITED STATES Closing Indictment You have failed not just to act but to respect the authority of the federal law that governs you. The record will now reflect your disobedience, your defiance, and your dereliction of statutory duty in full view of any court, agency, or legislative body that chooses to examine this matter. 
Refinement Layer : You have failed not only to act but to respect the very architecture of law itself. 
You have spat on Congress.

You have disregarded the Presidency.

You have trampled Massachusetts law. 


YOUR CONDUCT IS NOT MERELY DELAY. IT IS A SYSTEMATIC PROPAGANDA OPERATION THE CONTINUED PUBLICATION AND TRANSMISSION OF FRAUDULENT, MANIPULATED, MANUFACTURED DEROGATORY INFORMATION AND FALSE DEFAMATORY ACCOUNTS. THIS IS NOT AN ERROR ; IT IS A DELIBERATE BUSINESS PRACTICE THAT PROFITS FROM SPREADING CORRUPTED DATA WHILE CONSUMERS LIKE ME ABSORB THE DAMAGE. 


WHEN YOU TRANSMIT KNOWINGLY FALSE, MANIPULATED DATA TO LENDERS, LANDLORDS, INSURERS, AND EMPLOYERS, IT AMOUNTS TO FINANCIAL EXTORTION AND EXPLOITATION. YOU LEVERAGE DEFAMATORY ACCOUNTS TO STRIP ME OF ACCESS TO FAIR CREDIT AND TO INFLICT ECONOMIC AND EMOTIONAL HARM WHILE HIDING BEHIND THE EMPTY REFRAIN OF MORE TIME. 


THIS IS WILLFUL, GROSS MALFEASANCE AND XXXX  EXPLOITATION IN PROGRESS. THE RULE OF LAW, WRITTEN BY THE POWERFUL UNITED STATES CONGRESS AND SIGNED INTO LAW BY THE OFFICE OF THE PRESIDENT, DOES NOT PERMIT A PROPAGANDA BUSINESS MODEL. IT DEMANDS ACCURACY, PROMPT BLOCKING, AND FAIR DEALING.

You are now documented as a mob of data traffickers masquerading as credit reporting agencies complicit, contemptuous, and criminal in posture. 


STOP THE FRAUDULENT TRANSMISSION FEDERAL CRIMES AND CIVIL VIOLATIONS YOU ARE NOT SIMPLY DELAYING. YOU ARE ENGAGED IN ONGOING TRANSMISSION AND SALE OF FALSIFIED, FRAUDULENT, MANIPULATED, AND MANUFACTURED DEROGATORIES TO LENDERS, CREDITORS, LANDLORDS, EMPLOYERS, INSURERS, AND DOWNSTREAM USERS. THIS IS NOT JUST A CIVIL VIOLATION IT STRADDLES INTO FEDERAL CRIMINAL TERRITORY. 


WIRE FRAUD ( 18 U.S.C. 1343 ) EACH TRANSMISSION OF KNOWINGLY FALSE CREDIT DATA ACROSS INTERSTATE WIRE SYSTEMS TO LENDERS AND SUBSCRIBERS.

MAIL FRAUD ( 18 U.S.C. 1341 ) IF ANY TRANSMISSIONS OR REPORTS ARE DISSEMINATED BY MAIL.

CONSPIRACY ( 18 U.S.C. 371 ) YOUR JOINT PRACTICES ACROSS equifax, experian, AND transunion AMOUNT TO A CONSPIRATORIAL SCHEME TO PROFIT OFF CORRUPTED DATA. 


XXXX  FINANCIAL EXPLOITATION ( M.G.L. c.19A, 14 ) BECAUSE I AM XXXX, EACH CONTINUED TRANSMISSION MAGNIFIES LIABILITY FOR TARGETING AN XXXX  CONSUMER.

LET THE RECORD SHOW : THE FOUR-DAY BLOCK MANDATE WAS NOT MY DEADLINE IT WAS ENACTED BY THE POWERFUL UNITED STATES CONGRESS AND SIGNED INTO LAW BY THE POWERFUL OFFICE OF THE PRESIDENT OF THE UNITED STATES . YOU HAVE NO AUTHORITY TO AMEND IT, PAUSE IT, OR INVENT MORE TIME. YOUR REFUSAL TO BLOCK BY XX/XX/XXXX, WHILE CONTINUING TO TRANSMIT CORRUPTED DATA FOR PROFIT, IS GROSS MALFEASANCE AND A CRIMINAL PRACTICE. 


FURTHER, I AM ATTACHING ADDITIONAL LOAN DENIAL LETTERS FOR YOUR DERANGED ENJOYMENT AND DELIGHT REAL-TIME PROOF THAT YOUR LAWLESSNESS IS BLOCKING LEGITIMATE FUNDING AND INFLICTING DAMAGES ON AN XXXX  HOUSEHOLD. YOU PROFIT WHILE I PAY. 


AFTER YOUR SPATTERING OF MORE TIME AND OTHER PORTAL NONSENSE, THE REALITY REMAINS : FEDERAL STATUTORY LAW WAS WRITTEN BY THE POWERFUL UNITED STATES CONGRESS AND SIGNED INTO LAW BY THE POWERFUL OFFICE OF THE PRESIDENT. YOU DEFIED IT.

NOW, FOR THE RULE OF LAW TO BE UPHELD, YOU MUST BE HELD ACCOUNTABLE. THIS IS NO LONGER A QUESTION OF ADMINISTRATIVE DELAY IT IS MALPRACTICE AGAINST THE RULE OF LAW ITSELF. WILLFUL NONCOMPLIANCE, FINANCIAL EXPLOITATION, XXXX  ABUSE, AND GROSS MALFEASANCE ARE YOUR BUSINESS MODEL. 


FAIR RESOLUTION IS NON-NEGOTIABLE : COMPLETE CURE, FULL RESTITUTION, VERIFIED COMPLIANCE, AND PREVENTION SAFEGUARDS ON THE CLOCK, NOT AT YOUR LEISURE. FAILURE TO DELIVER IS NOT PARTIAL COMPLIANCE ; IT IS FURTHER LAWLESSNESS AND HEIGHTENED LIABILITY. 


Victim Impact XXXX XXXX Injuries Recorded This is not abstract noncompliance. It is not a hypothetical harm. 
I am the direct victim of your statutory sabotage, and the damages are real, ongoing, and escalating : Displacement by Natural Disaster : On XX/XX/XXXX, my home was struck by a devastating rainstorm. The XXXXXXXX XXXX XXXXXXXX condemned the property, forcing me, my family, and all occupants to be displaced. We lost all possessions including vital documents, XXXX XXXX, and personal records. 
Finding : In the aftermath of this destruction, your refusal to block fraudulent data compounded the devastation, leaving me with no stable housing, no possessions, and no functional credit file.

Loan Denials : Attached denials are not possibilities they are documented outcomes directly flowing from your refusal to execute the 605B block. Each rejection represents economic loss, reputational defamation, and increased financial restraint.

XXXX XXXX / XXXX XXXX : By transmitting falsified derogatories to lenders, landlords, insurers, and employers, you have placed me in a position of systemic denial of credit, higher pricing, and blocked opportunities. This constitutes a de facto regime of financial enslavement. 


XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) : I am XXXX XXXX XXXX. Every day you propagate fraudulent data past the 605B deadline constitutes not only noncompliance but XXXX  exploitation. 


No person shall abuse, neglect, or exploit an XXXX  person. Whoever commits abuse, neglect, or financial exploitation upon a person XXXX  years of age or older shall be punished Finding : Your willful refusal to block constitutes XXXX  exploitation in progress.

Emotional & Reputational Harm : Each transmission of false data is a fresh act of defamation, transmitted via interstate wires and mail systems, magnifying injury to my reputation, creditworthiness, and mental health. 



Legal Strikepoint 15 U.S.C. 1681n ( Willful Noncompliance ) : Your defiance is willful, exposing you to statutory and punitive damages.

15 U.S.C. 1681o ( Negligent Noncompliance ) : Your negligence compounds my actual damages, recoverable in court.

M.G.L. c.93A ( Unfair/Deceptive Practices ) : Each denial is treble-damages exposure.

18 U.S.C. 1341, 1343 ( Mail/Wire Fraud ) : Each transmission of false credit data across interstate systems is criminally actionable.

18 U.S.C. 371 ( Conspiracy ) : Your coordinated refusal across all three CRAs elevates liability to conspiratorial obstruction of law.

Victims Declaration I am not reporting delays. 
I am documenting daily criminal transmissions that defame my name, restrain my financial freedom, and exploit my age. 
This is compounded by the fact that I am a disaster victim, displaced from my condemned home, stripped of all possessions, and left to navigate credit markets without even my basic records. 
Every day past XX/XX/XXXXXXXX  is not only a violation of 605B it is a renewed attack on me, the consumer Congress intended to protect, and a continuation of financial exploitation upon a disaster-stricken XXXX  household. 

Final Cessation/ Escalation Let it be formally and permanently stated : This is the final indirect communication you will receive from me regarding this matter.

From this day forward, all correspondence, all legal actions, and all consequences arising from your willful defiance of federal and Massachusetts consumer protection laws regarding the fraudulent tradelines will be handled through legal counsel. 
Your opportunity to self-correct under administrative procedure has expired. You continue to publish, transmit, and weaponize false and corrupted tradelines in violation of multiple statutes. 


Jurisdictional Transfer Notice Indictment Threshold Reached You are now officially entered into the legal record of formal litigation. 
Effective immediately, this matter is transferred from private dispute to prosecutorial proceedings. 
You will no longer hear from me. 
From this point forward, your audience is licensed litigation counsel, enforcement authorities, and the courts of this Republic.

Jurisdictional Transfer Notice Indictment Threshold Reached You are now officially entered into the legal record of formal litigation. 
The 605B four-business-day mandate expired on XX/XX/XXXX. 
Every day beyond that date including today, XX/XX/XXXXXXXX  constitutes a fresh statutory breach, a renewed injury, and an escalating liability. 
You will no longer hear from me. 
From this moment forward, your audience is licensed litigation counsel, enforcement authorities, and the courts of this Republic.

There is no administrative grace period left. 
There is only a record of counts, damages, and indictments multiplied daily past the statutory deadline.

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