Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dates XX/XX/XXXX XXXX Card did not send New Card to address XXXXXXXX XXXX XXXX XXXX XXXX ID Stolen and Used within company without authorization and FICA credit inquiries done without authorization and informed via email, phone mail and or any other means of communication such as fax no disclosure of changes to score or interest provided. 

XXXX. 
XXXX sold a used device with XXXX service on it and did not disclose that it was pre-owned when it was purchased new. No disclosure given on devices security vulnerabilities such as XXXX XXXX XXXX XXXX XXXX XXXX  while wifi enabled which led to phone over heating. 

XXXX XXXX XXXX card has a variable interest rate that was not discussed and communicated with myself the consumer and fees are too high. XXXX XXXX XXXX breach with XXXX has old paid off Card attached to account which may or may not show derogatory credit history that should have been paid and full and closed out in XXXX XXXX Card XXXX XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX does not share disclosure of loan rights, consumer rights to different types of communication and or the right to restrict those forms of communication with the member which is a violation of trust and accountability to the ownership of their product lines and the members trust of that product such as telephone automation, website search accessibility, error and syntaxes, communication of procedures and definitions of information provided thoroughly read with care and validation utilizing avaliable resources such as team XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Suggestion : Need of XXXX XXXX and XXXX of XXXX Product Team for Testing and XXXX and or Redeployment of Product if it is failing and or has too many errors reported via complaints of the consumer and or member. Make the manuals consistent for the member not the XXXX XXXX member and or XXXX. 

XXXX XXXX XXXX XXXX in XXXXXXXX XXXX Failed XXXX times to communicate relative Tag information of surrender causing harassment from law enforcement, excessive fines, miscommunication by employees and lack of attention to detail when resident is asking for help which can and probably is a re-education issues within training due to lack of knowledge and or experience with diverse community with multiple languages and or dialect. Product of services needs redeployment and XXXX XXXX to educate to XXXX XXXX XXXX and employees Agile Principles to protect the company 's goal and productivity and economics and provide a valuable product and or service to the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX slow and understaffed needs a strwmeam line process to quickly access emergency needs by the consumer to reduce XXXX  and or civilian homeless with contacts and collaboration with XXXX  and government staff, resources and or funding and same day emergency housing and food needs to be available XXXX hours a day with volunteers from XXXX families and civiians to answer calls and or educate and help eliminate congestion of paperwork manually and or online, see XXXX XXXX XXXX XXXX and Automate to help quickly establish communication and development tools to help streamline databases and communication with the public housing and assistance services of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for all surrounding counties. 

XXXX XXXX  XXXX needs are associated with lack of funding, education resources/facilities/locale/variation of Services provided such as public Safe Places for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Retirees located in every community with volunteers and staff management with education backgrounds in XXXX XXXX XXXX XXXX XXXX XXXXXXXX with military connections and or equalivent training and or experience. 
Send aid from XXXX XXXX, state, federal, Courts, affiliated agencies to help supply and reinforce usage of educational communication mental health and or crisis help when law enforcement is interacting positively instead of just driving and reacting to a given situation walking, talking, sharing, caring, giving back to the community via mentorship surprise education XXXX preemptive visits for troubled and or endangered youth or young adults to solicit future livelihood as an XXXX of the law. A positive network of individuals who are not afraid to speak to their community on a regular bases and share the XXXX XXXX that they are here to not only punish criminals but to serve their community with pride and dedication to a rich, revitalize, restoring, and healthy community were a gang member is not a problem but instead a XXXX  man who needs a XXXX  is and now has XXXX because XXXX XXXX XXXX Department and XXXX and the XXXX Police Department and XXXX has the right women and men and whomever wants to live and work hard everyday for their family and the good people of XXXXXXXX XXXX

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