Consumer complaint received 2024-01-14 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: CA

Complaint narrative:
My Only First & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The last XXXX of my SSN # XXXX My Only XXXX XXXX ) I recently reached out to XXXX, Transunion and XXXX times now via the XXXX, the FTC, the CFPB, the California, consumer protection and innovation, as well as XXXX XXXX and sent over affidavits of truth that were signed and notarized in the state of California the problem continues to persist with fraudulent information on my consumer report, and they are previous investigation, which rendered no results via XXXX  Transunion XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX under the fair credit reporting act15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. after speaking with all of the national credit reporting agencies, the violations continues. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.

15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.

15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.

15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.

15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.

15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.

H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.

Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.

Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.

Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.

Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX-TRANUNION-XXXX XXXX XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. I [ XXXX XXXX XXXX ], issue this urgent and non-negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX XXXX ]. I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.XXXX XXXX acctXXXX dateXXXX amount XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX amount XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX amount XXXX XXXX # XXXX XXXX amount XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX amount XXXX ) - ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s- 2 : Failure to correct and update inaccurate information in my consumer reports. XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX XXXX XXXX  amount XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX amount XXXX XXXXXXXX XXXX  XXXX XXXX amount XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX amount XXXX ) ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Misuse or misrepresentation of definitions and rules related to consumer reportingXXXX XXXX acctXXXX  dateXXXX amount XXXX XXXX XXXX XXXX acctXXXX XXXX  amount XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX amount XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX amount XXXX ) ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reportingXXXX XXXX XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX acct # XXXX XXXX amount XXXX ) ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.XXXX XXXX  XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX  amount XXXX XXXX XXXX XXXX XXXX acct XXXX  XXXX XXXX amount XXXX XXXXacct XXXX  XXXX amount XXXX XXXX XXXX acct XXXX  XXXX XXXX amount XXXX XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.XXXX XXXX XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX  amount XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX amount XXXX XXXXacct XXXX  XXXX XXXX amount XXXX XXXX XXXX acct XXXX XXXX XXXX amount XXXX ( XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXXCONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXXXXXXfurnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXXinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You arehereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, Validation requires- presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy

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