Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Re : Account # XXXX XXXX elements of misrepresentation are : A representation was made, The representation was false, The defendant knew the representation was false, and The defendant intended the plaintiff to believe the representation ; - [ x ] STATEMENTS OF MATERIAL FACT : The misrepresentation must be a statement of fact that is material : - XXXX XXXX was paid in full according to the terms agreed upon between XXXX XXXX and Borrower. XXXX XXXX POSTED THE FINAL PAYMENT ON XX/XX/XXXX and received ON XX/XX/XXXX. 

- Jointly both XXXX XXXX and XXXX ENGAGED IN FRAUDULENT actions of Credit Report manufacturing and FALSIFIED IRS REVENUE documents on or XXXX XXXX - XX/XX/XXXX. 

- Jointly both XXXX XXXX and XXXX ENGAGED IN FRAUDULENT actions when providing written statements in XX/XX/XXXX and XX/XX/XXXX to CFBP that lacked evidence to rebuttal Borrowers Disclosures. 

- [ x ] CONTRACTUAL PROMISES : One party to a contract makes false promises about their ability to perform obligations : - XXXX XXXX, is in Breach of Contract. On XX/XX/XXXX XXXX XXXX  Agreed to a RENEGOTIATED AND RENEWED LOAN CONTRACT with ENCOMPASS RECOVERIES AND BORROWER. BORROWER upheld timely payments PER agreement and completion under SATISFIED Terms - [ x ] DAMAGES : The plaintiff must have suffered some form of harm or loss as a result of the misrepresentation : - 11 U.S.C 524 ( c ), ( f ) Creditors can not collect discharged debts.This order means that no one may make any attempt to collect a discharged debt from the debtors personally.For example, creditors can not sue, garnish wages, assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors can not contact the debtors by mail, phone, or otherwise in any attempt to collect the debt personally.-THIS INCLUDES FALSE FURNISHINGS TO FORCE Pay for Delete. 

- Borrower received Order of Discharge on XX/XX/XXXX. XXXX XXXX fraudulent claims of XXXX XXXX deficient and falsified records are in fact in violation of Federal Bankruptcy Protection Rules. 

- The remaining balance satisfactory completion of terms was {$440.00}. XXXX XXXX has elected to ILLEGALLY FURNISH, COMMIT PERJURY, and DEFRAUD IRS with full knowledge upon civil suit filed against company will cost them significantly more. XXXX XXXX ruined borrowers credit and XXXX XXXX will be held accountable for her misconduct and mishandling of classified information. 

- [ x ] DISREGARD : The defendant must have knowingly lied or had a reckless disregard for the truth : - Borrower received Order of Discharge on XX/XX/XXXX. XXXX XXXX fraudulent claims of XXXX XXXX deficient and falsified records are in fact in violation of Federal Bankruptcy Protection Rules. 

- All Non-Secured Debt listed on XXXX  XXXX Bankruptcy Petition HAS BEEN DISMANTLED and IS NONEXISTENT - ACCOUNT # XXXX was settled and closed on XX/XX/XXXX. XXXX XXXX XXXX and XXXX PREDATORY LOANS has openly admitted illegally furnishing beyond XX/XX/XXXX. 

Misrepresentations do not always need to be positive assertions. They can also include gestures, partial-truths, innuendos, or failure to disclose.

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