Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
This complaint is in regard to the account related to XXXX XXXX XXXX that is being reported to XXXX XXXX XXXX XXXX XXXX report. 
XXXX XXXX XXXX needs prior consent from either the court or the consumer before communication with the collection of any debt to a credit reporting agency. 
Notice, it is a fact, I the consumer did not give prior consent to communication to the debt collector, { XXXX XXXX XXXX } and the consumer alleges there was no prior consent from a court giving permission to contact I, the consumer in collection of any debts owed to XXXX XXXX XXXX and thus this communication by is a violation of XXXX XXXX XXXX ( a ) without a court order brought forth. I did not consent to XXXX XXXX XXXX communicating with me any obligations to pay a debt through any mediums which includes communication with the credit reporting agencies to report the alleged debt. Furthermore 15 U.S.Code 1692a ( 6 ) 1692a ( 6 ) - a debt collector is defined as anyone in the business of collecting a debt. Therefore by definition XXXX XXXX XXXX is debt collector. 

Notice, it is a fact, that, I, agent for principal ( XXXX XXXX XXXX XXXX ) am aware that XXXX XXXX XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( XXXX ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another 15 Furthermore this law U.S.Code 1692d states A Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from XXXX. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. I have been denied credit on multiple occasions and denied housing on mortgages and apartment leases, credit cards, even financing for medical procedures because of this negative account on XXXX XXXX XXXX XXXX consumer report. This is an actual damage as this tremendously harmed my ability to operate in commerce and purchase household goods and shelter for I the consumer and my family. 

Notice, it is a fact, I the consumer is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and { XXXX XXXX XXXX } does not have the right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. { XXXX XXXX XXXX } has oppressed my right to extend credit which is a violation of 15 U.S.Code 1692d. Credit is defined as the right to incur debt and defer payment. I am the original creditor since I extended my credit to XXXX XXXX XXXX by giving them access to my XXXX XXXX XXXX when they received my social security account number which is a credit card as defined in 15 U.S.C. 1602 as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Which my social security card which has my social security account number on it and is the account numbers for my XXXX XXXX XXXX account was used to obtain money from XXXX XXXX XXXX who claims money was obtained from them in the amount of XXXX XXXX 

All debt are prepaid with funds that were withdrawn from XXXX Treasury XXXX XXXX XXXX Account - [ XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX SSN # XXXX, with IRS Form XXXX. The IRS accounting department can properly account for the transfer of these funds from this account to all debt accounts that I am said to owe or be in default. 

It is noted that said actors, agents, and fiduciaries are subject to the self-executing regulations of the XXXX and XXXX sections of the XXXX XXXX to the Bill of Rights to the Constitution for the United States of America XXXX their offices are vacated and their salaries and retirement benefits are extinguished when they do not perform the duties of said offices. 

Established in XXXX under XXXX  XXXX and exercised by actors, agents, and fiduciaries of every commercial transaction by commercial banking institutions since that date with the Abrogation of the Gold Clause. 

Furthermore this law 15 U.S.Code 1692e ( XXXX ) states the actions performed by XXXX XXXX XXXX was illegal- Communicating with any person false credit information including failure to communicate the debt is being disputed has not been verified. 

Notice, it is a fact, affiant is aware and has proof in this complaint of false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( XXXX ). XXXX XXXX XXXX reported a charged off account to XXXX XXXX XXXX XXXX consumer report. I the affiant have disputed this debt for over XXXX  months this information can not keep reporting while the dispute is still not resolved as well as failing to communicate with the credit reporting agencies that the debt is being disputed and has not been verified by I, the consumer. This was very misleading and XXXX XXXX XXXX used this as a tactic to swindle the credit reporting agencies into reporting the alleged debt while at the same time attempting to force me to pay the alleged debt under the threat of duress and coercion by reporting the negative charges off account and reporting consecutively late payments monthly for 4 years straight to my consumer report in doing so severely damaging my credit worthiness and my ability to operate in commerce and obtain household goods and shelter. I have been denied housing on multiple occasions leading to me being in a homeless shelter this is an actual damage to I, the consumer. I demand once again that XXXX XXXXXXXX XXXX fix this issue by deleting the account. XXXX XXXX XXXX is also in violation of 15 U.S. code 1681a ( 2 ) ( A ) ( I ) 1681 a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company. 1681 a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in

the Gramm Leach Bliley Act. Under Gramm Leach Bliley Act, penalties
for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses. 
If TRANSUNION were to not remove the account TRANSUNION and its directors and officers would be in violation of this Act as well and would be fined up to XXXX $ for TRANSUNION and XXXX $ for directors and officers. I urge TRANSUNION to remove the account so that they have clean hands in this matter. 

Notice, it is a fact, consumer is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. XXXX was not given the chance to opt-out of having this information reported regarding XXXX XXXX XXXX XXXX doing so is in violation of 15 U.S. Code 1681 a ( 2 ) ( A ) ( ii ) and this information must be removed. 
Not only did XXXX XXXX XXXX commit identity theft by definition by obtaining and sharing my information with my authorization, but XXXX XXXX XXXX also received income from this alleged debt thus there is no longer any obligation to pay XXXX XXXX XXXX a debt that has already been paid this is inaccurate and fraudulent reporting of the consumers information to TRANSUNION. XXXX XXXX XXXX were paid from my trust account without my authorization. 
XXXX XXXX XXXX XXXX in their most recent response to this matter that in my prior complaints I requested XXXX standard accounting bookkeeping entries in order to see who is the holder of the note. Which I am entitled to see the accounting if I request it. 12 U.S.Code 5562 ( c ) ( 10 ) 12 USC 5562 ( c ) ( 10 ) 12 U.S. Code 5562 ( c ) ( 10 ) - money audit trial, production of document material. 12 U.S.Code 1831n ( 2 ) ( A ) 12 USC 1831n ( 2 ) ( A ) 12 U.S. Code 1831n ( XXXX ) ( A ) - XXXX audit trail accounting and insurance AFFIDAVIT Notice it is a fact, affiant is aware, in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) the XXXX  audit trail, accounting and insurance would be needed as document evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

This complaint was created by I XXXX XXXX agent for the PRINCIPAL : XXXX XXXX XXXX XXXX Not created by a credit reporting agency I wrote this myself.

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