Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX dispute This is in response to the notice I received from XXXX XXXX XXXX. 
XXXX XXXX XXXX needs prior consent from either the court or the consumer before communication with the collection of any debt. 
Notice, it is a fact, I the consumer did not give prior consent to communication to the debt collector, { XXXX XXXX XXXX } and the affiant alleges there was no prior consent from a court giving permission to contact I, the consumer in collection of any debts and thus this communication by XXXX XXXX XXXX is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. I ordered XXXX XXXX XXXX to remove the alleged debt from my consumer report. I did not order XXXX XXXX XXXX to respond to my CfPB complaint with an attempt to collect on an alleged debt. I also did not consent to XXXX XXXX XXXX communicating with me any obligations to pay a debt through any mediums which includes communication with the credit reporting agencies to report the alleged debt. Furthermore 15 U.S.Code 1692a ( 6 ) 1692a ( 6 ) - a debt collector is defined as anyone in the business of collecting a debt. Therefore by definition XXXX XXXX XXXX is debt collector. 

Notice, it is a fact, that, I, agent for principal ( XXXX XXXX XXXX XXXX ) am aware that XXXX XXXX XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another 15 Furthermore this law U.S.Code 1692d states A Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. I have been denied credit on multiple occasions because of this negative account on XXXX XXXX XXXX XXXX consumer report. This is an actual damage as this tremendously harmed my ability to operate in commerce and purchase household goods for I the consumer and my family. 

Notice, it is a fact, I the affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and { XXXX XXXX XXXX } does not have the right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. { XXXX XXXX XXXX } has oppressed my right to extend credit which is a violation of 15 U.S.Code 1692d. 
Furthermore this law 15 U.S.Code 1692e ( 8 ) states the actions performed by XXXX XXXX XXXX was illegal- Communicating with any person false credit information including failure to communicate the debt is being disputed or that XXXX XXXX XXXX received a financial asset from XXXX XXXX XXXX XXXX Aka false and misleading reporting. 

Notice, it is a fact, affiant is aware and has proof in this complaint of false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ). XXXX XXXX XXXX has reported every month for 4 years consecutively late payments to XXXX XXXX XXXX XXXX consumer report. I the affiant have disputed this debt multiple times over the past 4 years and XXXX XXXX XXXX kept reporting the late payments while the dispute was still not resolved as well as failing to communicate with the credit reporting agencies that the debt was being disputed by I, the consumer. This was very misleading and XXXX XXXX XXXX used this as a tactic to swindle the credit reporting agencies into reporting a disputed debt while at the same time attempting to force me to pay the alleged debt under the threat of duress and coercion by reporting the negative late payments to my consumer report every month for 4 years consecutively in doing so severely damaging my credit worthiness and my ability to operate in commerce. I have been denied housing on multiple occasions leading to me being in a homeless shelter this is an actual damage to I, the consumer. I demand once again that XXXX XXXX FINANCIAL fix this issue by deleting the account or changing the status of the account to paid as agreed on the consumer report and removing the late payments that have been reported every month for the last 4 years consecutively. XXXX XXXX XXXX is also in violation of 15 U.S. code 1681a ( 2 ) ( A ) ( I ) 1681 a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company. 1681 a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act Notice, it is a fact, I, the affiant is aware this reported information is only information based solely on transactions and experiences between I, the consumer, and XXXX XXXX XXXX }. This is a violation of 15 U.S.Code {$1600.00} a ( 2 ).

Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. XXXX was not given the chance to opt-out of having this information reported regarding XXXX XXXX XXXX XXXX doing so is in violation of 15 U.S. Code 1681 a ( 2 ) ( A ) ( ii ) and this information must be removed. 


There are at least 7 violations listed above in this complaint regarding the reporting of this account by XXXX XXXX XXXX so far. Furthermore XXXX XXXX XXXX ignored in their response to previous complaints my request for due assurance almost acting as if they didnt know what a promissory note was and how these notes are financial assets to XXXX XXXX XXXX. 12 U.S.Code 5562 ( c ) ( 10 ) 12 USC 5562 ( c ) ( 10 ) money audit trial, production of document material Notice it is a fact, affiant is aware, the consumer has the right to request the money audit trial 12 U.S.Code 5562 ( c ) ( 10 ) and would this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.

12 U.S.Code 1831n ( 2 ) ( A ) 12 USC 1831n ( 2 ) ( A ) 12 U.S. Code 1831n ( 2 ) ( A ) - GAAP audit trail accounting and insurance Notice it is a fact, affiant is aware, in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) the GAAP audit trail, accounting and insurance would be needed as document evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Without validation of debt XXXX XXXX XXXX can not collect on alleged debt and can not report the debt to a consumers report this is illegal. 
I have reason to Beleive that XXXX XXXX XXXX isnt the holder of the note and also used my note that I loaned to the bank to fund a bank loan to me. XXXX XXXX XXXX ignored my request for due assurance and for the bookkeeping entries and GAAP audit in my previous CfPB complaint by not providing me with documentary evidence that the bank loan check that was loaned to me was funded by XXXX XXXXXXXX XXXX  own money. In doing this XXXX XXXX XXXX committed Tacit procuration which is a legal term that means a respondent admits to statements and claims made by another party by remaining silent. In this case, all issues are considered settled and the respondent can not contest the finality of the administrative findings in any subsequent proceedings. 

Furthermore 15 U.S.Code 1602 ( f ) 15 USC 1602 ( f ) states 15 USC 1602 ( f ) Notice, it is a fact, affiant is aware, the term credit means the right granted by I, the original creditor, to a debtor { XXXX XXXX XXXX } to defer payment of the debt or to { XXXX XXXX XXXX } to incur debt or a loan from the US Treasury and defer its payment. 
This makes { XXXX XXXX XXXX } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction. I, the affiant, came to extend credit as shown in exhibit ( -- ) and not receive a loan from the U.S. treasury. The contract I received, as a result, was an unsolicited advertisement described in 48 U.S.C 227 ( a ) ( 5 ) by { XXXX XXXX XXXX } and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by { XXXX XXXX XXXX }. 


If XXXX XXXX XXXX doesnt respond this would be a tacit admission of guilt. 

The word " tacit '' means to agree or approve of something without actually saying so. For example, someone might tacitly admit to making a mistake. 

Tacit admission A statement or action that implies something is true, even if it's not explicitly stated. For example, if someone is accused of stealing and remains silent, their silence can be considered a tacit admission of guilt. 

Furthermore I am owed monetary value in the amount of XXXXXXXX XXXX for every single violation of the UNITED STATES CODES. 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) 1692k ( a ) ( 2 ) ( A ) - XXXX XXXX for each proceeding. 
Notice, it is a fact, 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) states an individual action is a violation worth XXXX XXXX for proceeding, however understand 15 U.S.Code 1692k ( a ) ( 1 ) these violations has caused actual damages to me, By XXXX XXXX XXXX violating 12 U.S.Code 1831n ( 2 ) ( A ) 12 USC 1831n ( 2 ) ( A ) 12 U.S. Code 1831n ( 2 ) ( A ) - GAAP audit trail accounting and insurance and 12 U.S.Code 5562 ( c ) ( 10 ) 12 USC 5562 ( c ) ( 10 ) money audit trial, production of document material also not providing me with gaap audits and bookkeeping entries they have prolonged this issue causing I the consumer to not be approved for lines of credit due to the reporting of such erroneous payment history. This has caused me to be approved mortgages or house hold goods. Therefore hindering my general mode of living. 
By XXXX XXXX XXXX violating 15 U.S. Code 1681 a ( 2 ) ( A ) ( ii ) and not giving me a chance to direct whether I want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. Affiant was not given the chance to opt-out of having this information reported regarding XXXX XXXX XXXX in doing so XXXX XXXX XXXX is in violation of 15 U.S. Code 1681 a ( 2 ) ( A ) ( ii ) I was damaged by this violation of the law XXXX XXXX XXXX took it upon themselves to take away my right to direct the information I want reported regarding the transaction. Then hindering my ability to credit by reporting without my directions late payment history that negatively impacted my consumer report. 
Every violation of the law by XXXX XXXX XXXX caused a damage to I, the consumer. 

Also note that this matter could become even more serious if this issues isnt resolved because according to 1692k ( a ) ( 2 ) ( B ) -If i win a civil suit and file a class action, i can obtain up to XXXXXXXX XXXX or 1 % of the company. 

Notice, it is a fact, affiant is aware, If judgement is made against { XXXX XXXX XXXX } I, the affiant, can and will pursue class action for the amount of XXXXXXXX XXXX  to XXXX XXXX of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ) meaning I could own a percentage of XXXX XXXX XXXX or receive XXXXXXXX XXXX for XXXX XXXX XXXX inconveniences to i the consumer. 

The credit reporting agency TRANSUNION must must follow reasonable procedures. Must be fair and equitable to the consumer. 

Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ) I demand XXXX XXXX XXXX update the account to paid as agreed and remove all the late payments that were reported the past 4 years consecutively. These actions would make the account accurate. It is a statement of fact that XXXX XXXX XXXX already received a financial asset when I loaned them the note. It is a statement of fact XXXX XXXX XXXX already received income from the security. XXXX XXXX XXXX already got paid therefore these facts should reflect on the consumer report as well. I demand TRANSUNION REMOVE THE ACCOUNT regarding the XXXX XXXX XXXX account IF XXXX XXXX XXXX XXXX update the account to paid as agreed and remove all the late payments that were reported the past 4 years consecutively within 21 days from receipt of this notice. XXXX XXXX XXXX and TRANSUNION have up to 30 days to fix this issue or else I will start my administrative process. 

15 U.S.Code 1602 ( b ) 15 USC 1602 ( b ) 1602 ( b ) Bureau.

The term Bureau means the Bureau of Consumer Financial Protection. Consumer Report Agencies are not credit bureaus. The CFPB regulates the credit reporting agencies. 
I urge the CFPB to work swiftly and diligently with me on this matter to make sure XXXX XXXX XXXX and TRANSUNION resolves this issue in a fair and equitable way for I, the consumer. As well as make sure they follow the laws that were set in place to govern them. 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