Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THIS DISPUTE IS NOT A DUPLICATE DISPUTE, I REPEAT THIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX I AM A DECORATED WAR VETERAN WHO DEMANDS RESPECT, AFTER FIGHTING FOR THIS SORRY XXXX COUNTRY, ONLY TO HAVE TO FIGHT WITH A AI CORRUPTED XXXX BAIS XXXX SYSTEM SETUP FOR MINORITIES FAILURE!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. 
Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the three major CRAs ( XXXX, TransUnion, and XXXX  ) once every 12 months.

Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. 
Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. 



CFPB NEVER DID A THOROUGH INTERNAL INVESTIGATION ON THIS DISPUTE, XXXX CFPB NEVER EVEN GAVE ME A CHANCE TO RESPONDE. I HAVE PROOF, HERE IS THE FULL DISPUTE I SUBMITTED BELOW AS FOLLOWS : Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT CFPB HAS NOT BEEN COMPLYING TO REGULATIONS. XXXX XXXX and co-plaintiffs file lawsuit challenging CFPB Credit Card Late Fees Rule XX/XX/XXXX The XXXX XXXX  filed a lawsuit seeking a preliminary injunction to stop the Consumer Financial Protection Bureau ( CFPB ) from implementing a rule that punishes responsible credit card users who pay their bills on time. In promulgating its rule to limit credit card late fees, the CFPB not only exceeded its statutory authority but did so by relying on the use of secret data collected for an unrelated purpose. Among other arguments, the XXXX XXXX  and co-plaintiffs specifically are suing the CFPB for : - Violating the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of XXXX by preventing issuers from collecting reasonable and proportional late fees when cardholders dont pay their bills on time ; - Violating the Administrative Procedure Act ( APA ) by promulgating a final rule that is arbitrary and capricious, relying on secret data collected from only the largest banks for a different purpose and by a different agency ; and - Issuing the rulemaking with funds drawn in violation of the U.S. Constitutions Appropriations Clause. The XXXX XXXX  filed the lawsuit with co-plaintiffs : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Trans Union, XXXX XXXX XXXX. Plaintiffs mortgage servicer was XXXX XXXX XXXX. When the pandemic began, just like many other homeowners, the plaintiffs were hit with financial stress and qualified for and agreed to a forbearance. Despite the forbearance agreement, XXXX XXXX XXXX began reporting to Trans Union, XXXX XXXX XXXX that plaintiffs were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, Trans Union, XXXX XXXX XXXX all failed to correct the inaccurate reporting, and the Plaintiffs suffered financial damage as a result. XXXX XXXX XXXX, TransUnion, XXXX  and XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the Deptartment of EducationXXXX XXXX social security numbers ; addresses ; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of XXXX, TransUnion, and XXXX, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information, which was not corrected by any of the bureaus. She was denied a mortgage. 18 U.S.C. 241, also known as the " Conspiracy Against Rights '' statute, is a U.S. federal law that criminalizes conspiracies to interfere with the exercise of rights secured by the Constitution or laws of the United States. Specifically, it prohibits two or more people from agreeing to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by federal law or the Constitution. Violations can result in fines, imprisonment for up to ten years, or, if death or certain other serious felonies result, even life imprisonment or death. As the Supreme Court recently noted, 28 U.S.C. 1367 provides litigants an opportunity to pursue complete relief in a federal-court lawsuit. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Section 1367 codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX The section also provides the statutory basis upon which a federal district court can exercise subject matter jurisdiction over a state law claim that could not, by itself, be brought in fed- eral court if such a claim arises from the same set of operative facts that form the basis of the underlying federal claim. Specifically, 1367 ( a ) provides, in rel- evant part, that district courts shall have supplemen- tal jurisdiction over all other claims that are so related to claims in the action within [ the courts ] original jurisdiction that they form part of the same case or controversy under Article III of the United States Constitution. 28 U.S.C. 1367 ( a ) ( emphasis added ). In other words, the case or controversy formula- tion set forth in Article III of the Constitution confers supplemental jurisdiction over state law claims that arise out of a common nucleus of operative facts with substantive federal claims.2 In determining whether multiple disputes arise from a common nucleus of operative facts, the Second Circuit asks whether the facts underlying the claims before it substantially over- lap or whether the federal claim necessarily brought the facts underlying the state claim before the court. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX Thus, the determination at the heart of the question of whether or not a district court possesses supplemental jurisdiction is fact-based and is necessarily made on a case-by-case basis. A district court must therefore conduct a close examination of the facts it in each case underlying the federal and state claims to ensure that the facts derive from a single occurrence or set of facts. REMOVAL OF ALL INQUIRIES ON ALL THREE BUREAUS CREDIT REPORTS IMMEDIATELY!!! XXXX XXXX XXXX REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS, IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX XXXX  ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. THAT THIS DEBT OBLIGATION BE MEET WITH LEGAL TENDER IN THE AMOUNT OF {$1000.00} FOR EACH VIOLATION!! ! XXXX, AND THAT PAID OBLIGATION BE SENT THROUGH U.S. POSTAL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The Executor of The Estate of : XXXX XXXX XXXX of the [ XXXX XXXX ] UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. REMOVAL OF ALL INQUIRIES XXXX XXXX IMMEDIATELY FROM ALL THREE BUREAUS XXXX, TRANSUNION, AND XXXX  IMMEDIATELY!!! XXXX CODE XXXX. REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX XXXX  ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EXPERIAN CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX XXXX  ) Attachments XXXX XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX XXXX ( XXXX KB ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX  at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : XXXX XXXX XXXX Please note that you may also submit your request or documents supporting your claim electronically at XXXX  You may also visit XXXX dispute center by visitingXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with XXXX. XXXX  's XXXX XXXX XXXX XXXX XXXX advice with readers ' questions answered by XXXX  's experts. Popular topics from credit reports and scores to life events, id theft and fraud. 
Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX to XXXX XXXX  ET, Monday through Friday ( except federal holidays ). 
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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