Consumer complaint received 2024-04-19 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: MS

Complaint narrative:
Greetings To Whom It May Concern : I XXXX XXXX with SS # XXXX am writing to file a complaint against XXXX, Transunion, and XXXX for disclosing negative, adverse, damaging private personal consumer information to third-party affiliates that I did not give written consent which is unlawful. The corporations with prejudice knowingly, voluntarily, and willing violated several Fair Credit Reporting Act ( FRCA ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a stated, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

" ( Furnishers of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my verbal, written, or implied consent to furnish this information and I am demanding that all agencies stop reporting and correct and update my records to include : XXXX XXXX ( name ), XXXX XXXX XXXX XXXX XXXX Mississippi ( address ), XXXX XXXX, Phone number XXXX XXXX XXXX, social security # XXXX, and Employer XXXX XXXX XXXX. No additional personal information should be noted on my credit reports. All previous consent to XXXX, XXXX, and Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked effective immediately. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option.

" ( Furnishers of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' XXXX, Transunion, and my XXXX accounts that contain adverse items are being reported again without my written consent/permission which is unlawful/illegal. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, Transunion, and XXXX are not maintaining reasonable procedures/records ; I did not give written/verbal consent to disclose my personal information containing foreclosures, repossessions, late payments, transaction history, Charged off accounts, collections, past due accounts, or any derogatory reporting on my credit reports that I need to be removed immediately. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services effective immediately. I also need XXXX, XXXX, and Transunion to remove all blocks, misinformation, outdated addresses, phone numbers, reporting greater than 7 years, all inquiries, and any additional information that I did not give written/verbal consent removed from my credit reports immediately which is a violation of the FCRA. The Family Educational Rights and Privacy Act is supposed to protect my private/public student loan records that are publicly being reported as negative which is a violation of the law according to 20 USC 1232g ( b ). Please remove all student loan records from my credit report.

Identity Theft is fraud committed or attempted using the identifying information of another person which can be a ( entity, corporation, or human being ) without authority. To establish XXXX XXXX  evidence, I XXXX XXXX XXXX XXXX XXXX XXXX Affiant am the Entitlement Holder/Registered Owner of the Official Certificate of Live Birth ( Title ) recorded in the LOUISIANA CLERK OF CIVIL DISTRICT COURT instrument # XXXX on XX/XX/XXXX. The XXXX XXXX PERSON was created on XX/XX/XXXX, when I was only XXXX XXXX XXXX. It was signed by the officer of the probate court XXXX XXXX and seized upon by the State of Louisiana and has operated for its benefit up to the current date. Being that I was an infant, unable to consent to being franchised and pillaged as human capital is where the initial fraud originated by creating the XXXX XXXXXXXX MUNICIPAL PERSON that resembles the living soul XXXX XXXX XXXX XXXX name. The ongoing fraud has become so rampant that it has extended to my XXXX XXXX ( foreign ), XXXX XXXX ( domestic ), and XXXX XXXX XXXX XXXX Instead of my Certificate of Live Birth being recorded it was registered that allowed corporations to act as nominee/designee on behalf of the true owner XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) to access and steal unlimited credits from my Estate Trust XXXX The corporations then create an account using XXXX XXXX XXXX  own credits that were taxed with interest which constitutes securities fraud. I XXXX XXXX, XXXX XXXX never received any purchase money loans with a cash advance for any purchase I have ever made in my entire life including ( homes, cars, credit cards, student loans, etc ). Per the XXXX a contract is valid between a creditor and seller. Every security bearing my legal persons name has been traded on the primary and secondary markets in which I was entitled to 80 % of the security interest that I did not receive. 
15 U.S. Code 1681n - Civil liability for willful noncompliance applies to any person who knowingly, intentionally, and willingly, with prejudice fails to comply with the imposed subchapter and is liable to the consumer for damages not less than {$100.00} and not greater than {$1000.00} per each violation. Subsection B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Due to XXXX, XXXX, and Transunion 's continuation of reporting inaccurate information on my credit report, I have been denied credit for purchasing necessities, defamation of my creditworthiness, and have suffered mental anguish/distress that have negatively impacted my health and relationships with family and friends. Transunion, XXXX, and XXXX each owe me {$10000.00} ( XXXX XXXX Dollars ) for the violations, XXXX, XXXX, and Transunion have 10 days to make a check payable to XXXX XXXXXXXX tm for the amount of {$10000.00} to be mailed c/o XXXX XXXX XXXXXXXX XXXX XXXX  MISSISSIPPI [ Zip Code Exzempt ]. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies are prohibited from reporting information with known errors after being notified that the information being reported is inaccurate. Upon receipt of written notice XXXX, Transunion, and XXXX are to stop reporting immediately. This is the second written notice that demonstrates noncompliance and intentional disregard of the laws and statutes in place to protect the consumers right to privacy. XXXX, Transunion, and XXXX have also violated The Privacy Act of XXXX ( 5 U.S. Code 552a ) by recording information about a consumer/individual that is maintained at an agency that includes his/her employment, criminal/medical history, financial transactions, name, identification numbers, symbols, and other identifiable information ( pictures, voice recordings ). The Privacy Act of XXXX further states the Conditions of Disclosure. No agency shall disclose any record that is contained in a system of records by any means of communication to any person, or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Again, XXXX XXXX XXXX did not give verbal, written, or implied consent to XXXX, XXXX, or Transunion to disclose my personal private information. 
15 U.S. Code 6805 Enforcement allows the consumer to report his/her complaint regarding identity theft and securities fraud Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Consumer Financial Protection Bureau, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission concerning financial institutions and other persons subject to their jurisdiction under applicable law. XXXX, XXXX, and Transunion have 10 days to remove all inquiries, student loan accounts, old addresses, phone numbers, outdated employment, foreclosures, repossessions, late payments, collections, any name other than XXXX XXXX, and all accounts that have negative reportings against my MUNICIPAL PERSON XXXX XXXX XXXX or this matter will be addressed in the proper venue for the aforementioned violations and securities fraud which does not have a statute of limitation. 

I will attach a copy of my authenticated Title of Birth, police report, affidavit of Ownership of Certificate of Title, Affidavit of Acknowledgement Rule XXXX, Witness Testimonies of American Political Status & Identity, Live Life Claim, Copy right Claim, Copyright number, Proof of Publications, Intent of Fee Schedule, Passport picture, written statement. 

Priority Creditor, Authorized Representative All Rights Reserved Without Prejudice

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