Consumer complaint received 2024-11-01 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: MI

Complaint narrative:
Complaint, XXXX XXXX, demand for disclosures under TILA and demand to remove false and derogatory information from my Credit Report. 
Transunion is acting as a part of Servicing ( under RESPA ) and debt collection ( under FDCPA ) teams thus is Servicer under CFPB rules and debt collector under FDCPA. 

Transunion provided me a copy of my credit report full of false and misleading information. 

I demand Transunion to immediately remove all false and misleading information submitted by unknown to me parties and provide me disclosures and supporting documents based on which Transunion reported this information as mine. 

I demand a respond from an individual employee of Transunion who has personal knowledge who reported this information and how Transunion verified its accuracy and relationship to me. 

Unsigned AI-generated responses from Transunion are not acceptable and violate UCC Art 3-401-403. All information must come from the individual authorized employee of Transunion who has personal knowledge about information listed in my Credit Report Only CREDITORS or LENDERS are authorized to report anything about loans to Transunion. Even CREDITORS must not furnish information if a consumer has notified them that the information is inaccurate, which I did many times 1. Transunion reported XXXX XXXX XXXX, XXXX under unknown to me capacity with some unknown to me number # XXXX .... I have absolutely NO business with XXXX XXXX XXXX, XXXX and never had any business with XXXX XXXX XXXX, XXXX who in its own words deny any involvement in any servicing of any Agency loans. The report showed that Loan Type is VA real estate loan where XXXX has no relationship at all. 

The status of this " loan '' marked as " uknown '' from XX/XX/XXXX to present time. 
I demand Transunion to remove this false and derogatory information and provide me any and al documents based on which Transunion included this account in my credit report and direct contact information to the authorized employee of the Company who furnished this false and derogatory information to Transunion. First, " servicers '' are NOT creditors under 15 USC 1641 ; second XXXX XXXX XXXX XXXX personally DENY any involvement in Agency loans. 

XXXX. XXXX XXXX XXXX XXXX # XXXX who claimed to be merely a SERVICER, not lender is falsely reported by Transunion as my " lender ''. This account appeared on Transunion starting XX/XX/XXXX- which is a false and misleading information. 

First, SERVICERS are not lenders. Second, here is a huge gap between date when this account was opened on XX/XX/XXXX and when it was rated by Transunion under XXXX XXXX XXXX XXXX XXXX name on XX/XX/XXXX. Why two years of reporting are missing is a mystery to me. 
The remarks said it was " transferred to another lender, transferred to another office. Under UCC art 9-203 the debt must be SOLD. Here is no reference to any " sales '' The alleged " original lender '' who allegedly " opened " this account on XX/XX/XXXX, thus XXXX years of the status and ownership of this account are missing and must be provided to me I demand Transunion to immediately remove this false and misleading information, provide me the name of the LENDER who allegedly opened this account on XX/XX/XXXX ; and disclose information what exactly happened with this account between XX/XX/XXXX and XX/XX/XXXX when it was reported under XXXX XXXX name. 

Provide me any and all documents based on which Transunion reported this account under XXXX XXXX XXXX XXXX XXXX name and in which capacity XXXX is related to me and to my Credit report

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