Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fact To All Who May Read This That I am the consumer in fact federally insured natural person original creditor the lender the executor administrator holder in due course for any and all derivatives thereof for XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will deviate and autograph whereas I of age of majority give the herein fact to all I make the solemn oath to the one and only most high of creation only whoever that maybe and I oppose the following facts so be it now present, XXXX XXXXXXXX XXXX COMPANY Polices have been holding XXXX XXXX back from building wealth for generations, the fair debt collection practices act and the fair credit reporting act is intended to secure my right to privacy and my privacy HAS BEEN BREACHED so be it and its a fact that I am sure the removal of this information from your company records or any and all derogatory marks from your website thereof and with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent in this here in unrebutted affidavit of truth being serviced to you today and therefore standing as truth in commerce so be it. Please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury damages mental anguish and financial losses due to me being a victim of identity theft and so be it. Any Willful noncompliance / frivolous Response will not be accepted and will result in a penalty of XXXX $ per each infraction Please take further fact that I am compelled to pursue potential legal action against you seeking injunctive relief substantial monetary damages including but not limited to special punitive and compensatory damages attorney fees and all additional remedies relief and penalties by law and equity to the fullest extent permitted by law the foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein I write to you today, not just as a consumer who has been adversely affected by the practices of Transunion but as an individual who demands fairness, equity, and respect under the law. The reporting of negative information by your company has been neither fair nor equitable, significantly harming my financial standing and personal well-being. It's imperative to address that, in managing my personal and financial information, the Company inherently holds a fiduciary obligation to act solely in ways that benefit me, the consumer. This letter encapsulates a comprehensive demand for the Company to rectify its actions in compliance with this obligation and the applicable federal laws. Specific Violations and Liabilities : The conduct of Transunion as well as your representative XXXX XXXX ( Supervisor of special handling ), constitutes explicit violations of several federal statutes, critically affecting my rights and interests : 15 U.S. Code 1611 - Criminal liability highlights the severity of willful and knowing misrepresentations or compliance failures regarding consumer information. 15 U.S. Code 1681n, 15 U.S. Code 1681o - Civil liabilities underscore the consequences of both willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), emphasizing the rights of consumers to seek redress for violations. 15 U.S. Code 6802 - The obligation of financial institutions to adhere to strict notice and opt-out requirements for the disclosure of nonpublic personal information, a principle egregiously violated by the unauthorized dissemination of my information. XXXX XXXX as well as transunion has been in receipt of my notice of rescission with XXXX XXXXXXXX and I have proof you guys received this letter and negligently ignored it. I am asserting that XXXX  XXXX nor transunion holds no rights to my information and I can Choose to fix it at any point and time if agents of transunion continue to stand in my way I Will seek legal recourse and You will pay for every infraction on my consumer report. There is no law that says that this is permitted to be on my consumer report me and XXXX  XXXX no longer have an agreement so NO CRA should have this banking information. 15 U.S. Code 1681q - The penalty for obtaining consumer information under false pretenses, reinforcing the sanctity of consumer data integrity. 15 U.S.C. 1681a ( i ) - Exclusions from the consumer report definition, which XXXX XXXX and XXXX XXXX has failed to respect by reporting transactions and experiences without my consent, directly contravening the FCRA 's stipulations. Open balance as well as Credit Utilization are BANKING EXPERIENCES and shouldn't be on consumer reports so remove those remarks from my XXXX XXXX account DO NOT REMOVE THE ENTIRE ACCOUNT. I have been begging for the last 11 months for this experience not to be reported and you continue to do so to hold me back and keep from acquiring credit. XXXX XXXX has already told me they do not report utilization. I have authorized users on my account so this should be reflected for them as well. Transunion is voluntarily Illegal reporting this negative information to my consumer reports. Pursuant to 15 U.S. Code 1681 Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accuratecreditreporting. Inaccuratecreditreports directly impair the efficiency of the banking system, and unfaircreditreporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. I do indeed declare and side with congress when they say I have a right to financial banking privacy and I will use that right at any time. I reserve that right always and if these laws are in place so my consumer report can look the way I WANT IT TO THEN THATS EXACTLY WHAT IM GOING TO DO. Try and stop or failure to do your job people will start going to jail and Transunion will be paying federal court fines this is my promise to all associates of transunion and transunion itself as a company. In accordance 15 U.S. Code 1602 ( j ) The terms open end credit plan oropen end consumer credit planwithin the meaning of the preceding sentence is anopen end credit planoropen end consumer credit plan. XXXX fully aware of my rights as a consumer the credit plan is a right the XXXX  XXXX card was acquired under this opened credit plan. open end credit is a right not a privilege that XXXX XXXX XXXX nor anybody at transunion can take away .Very Spiritual in fact Ive made the open end credit plan as part of my religion. did you know I can fine you for violating any of my rights Under title 18? In accordance with 15 U.S. Code 1666b Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. So why is a late payment showing my consumer report? Pursuant to 18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise anyscheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. Since I Dont have any valid or said contract with Transunion and you are claiming rights to MY INFORMATION, and furnishing inaccurate information on me under false pretenses because I Was never given any notice my information would be shared with Transunion .18 U.S. Code 241 - Conspiracy against rights If two or more persons conspire to oppress any person in any State in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States They shall be fined under this title or imprisoned not more than ten years, or both. 18 U.S. Code 247 obstruction of persons in the free exercise of religious beliefs Whoeverintentionally obstructs any person in the enjoyment of that persons free exercise of religious beliefs, or attempts to do so a fine in accordance with this title, imprisonment for not more than 3 years, or both Immediate Actions Required : In light of these indisputable violations and the fiduciary breach represented by the Transunion actions, Hard Inquires are a receipt of transaction ( XXXX ) meaning my credit card was ran, Pursuant to 15 usc 1602 ( A ( l ) The term credit card means ANY CARD, plate, coupon book or othercreditdevice existing for the purpose of obtaining money. meaning someone at Transunion got paid for transmitting MY INFORMATION And using My social Security number and consumer report. As a result of TransUnion getting paid I was Discriminated against and denied a Several Credit products. Since my credit card ( social security card ) was used I demand the following immediate corrective measures : The cessation of all unauthorized use and negative credit reporting of my personal information.reinstating my rightful financial reputation. Full compliance with the FCRA, particularly adherence to the exclusions under 1681a ( i ) and rectification of all compliance failures. Remove the high utilization remark as well as open balance from XXXX account, Remove XXXX  XXXX account and inquires entirely. Remove XXXX XXXX XXXX from XX/XX/2023 there is no permissible purpose with no open or said accounts or fiduciary obligation fulfilled by XXXX XXXX. remove hard inquiry from XXXX  as well XX/XX/XXXX XXXX also. I mailed out some correspondence XX/XX/XXXX certfied mail number is XXXX it was delivered XX/XX/XXXX it needs to be processed along with this. I need access to my credit report at all times I also need access to freeze my consumer report AT WILL whatever invisible block is on my information cease that IMMEDIATELY. I need a consumer statement and it should go as follows. I XXXX XXXX am Creditworthy regardless of any number reported on me. Open Credit account ( s ) if applied for pursuant to 12 cfr part 1002 regulation B. A formal investigation into and rectification of discriminatory practices and biases in the Company 's reporting and data handling processes, ensuring equitable treatment. Ultimatum and Notice Before Legal Action : This letter serves as a final ultimatum for Transunion to comprehensively address and rectify the aforementioned issues within 5 business days from receipt hereof. Failure to adequately respond and rectify these matters will leave me with no option but to pursue all available legal remedies, including but not limited to, filing for damages and enforcement of statutory compliance through legal proceedings. I expect an immediate, detailed, and written acknowledgment of this letter from Transunion outlining the specific actions the Company commits to undertake in response to these demands. Let this letter mark the beginning of rectifying the injustices and breaches of trust that have transpired. Sincerely, XXXX 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 non-monetary relief