Consumer complaint received 2025-01-25 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: KY

Complaint narrative:
XXXX is involved in Racketeering, financial fraud, and Unfair Debt Collection Practices and needs to have enforcement actions taken against their criminal enterprise. 

XXXX engaged in interstate wire fraud to promote their scheme and despite having been ordered to CEASE and DESIST from all calls they have continued in 8 violations of the Federal Do Not Call List, each violation carrying a {$1000.00} penalty. XXXX failed to pay the published fee schedule for the two copyright uses, each use is {$500000.00}. XXXX uses. {>= $1,000,000}. Plus the prior XXXX Federal Do Not Call list violations at {$1000.00} per occurrence is {$6000.00}. 

XXXX had been served prior NOTICE that there was no Debt. The US Treasury confirmed that we owed no money to any government agency. XXXX also engaged in financial fraud in not providing coupons until CFPB began enforcement action against XXXX. XXXX had contracted to have no other servicer as a condition of original contract, which was also done in fraud by XXXX failing to disclose that XXXX had not provided the year for year federal reduction in loans for each year of authentic non profit service. We had served for twenty years indicating that that the 10 years of Non Profit service satisfied the requirements. Further, Full Settlement was Tendered and per XXXX XXXX any Debt was Discharged. The outcome of CFPB enforcement action was the dissolution of XXXX and hefty fines of {$120.00} XXXX levied in XXXX by CFPB. XXXX never paid us for their fraud. Instead, they conspired with XXXX to continue the ruse. 

XXXX indicated that it was the new loan servicer. We requested XXXX of XXXX, XXXX of XXXX. XXXX refused to provide original documentation. XXXX began a series of calls despite our having informed them of their obligation to provide Proof Of Contract and Proof of Debt, the XXXX Treasury having already determined there was no Debt. On the first call we informed XXXX to CEASE and DESIST and we owed them nothing and we owe XXXX nothing. XXXX continued their harassment of an elderly XXXX veteran despite our express instructions to CEASE AND DESIST and informing them that they had violated Copyright Use without our consent. We informed XXXX that the XXXX XXXX was Occupied and that they were incurring additional liability under trust law and under Unfair Debt Collection Practices. Despite our complaint to CFPB, XXXX incorrectly stated that they were authorized by the federal government to call us. This was a false statement as they are a private company and are bound by federal code concerning XXXX XXXX. XXXX misrepresented itself and made false statements to CFPB when XXXX stated that they were not trying to collect a Debt, they were trying to service a loan. This is false. We have no contract with XXXX, and XXXX was done in fraud as shown by their current status. XXXX has never paid us for the use of our property, our signature in financial matters. XXXX has failed to provide proof of contract, proof of debt. We then instructed XXXX to process IRS Form XXXX for any alleged debt as that is TENDER for full settlement, however, XXXX dishonored the Tender and thereby under XXXX XXXX any alleged debt with XXXX was immediately XXXX. We maintain that there was no XXXX. 

XXXX lied to CFPB because Transunion notified us a week ago that there was an adverse event, DELINQUENT on our credit report. We did not check the credit report as we are not DELINQUENT in any matter. On about XX/XX/XXXX, XXXX called a XXXX time despite the record having been annotated DO NOT CALL, XXXX DO NOT CALL LIST. The agent confirmed that XXXX had 9 days prior sent a DELINQUENT Notice to Credit Reporting agencies. By their admission, XXXX engaged in false statements to a regulatory agency CPFB when they wrote in their prior response that XXXX was not collecting a Debt. We can not tell which lie of XXXX is true except that they are involved in RACKETEERING using WIRE and XXXX MAIL to commit financial crimes against elderly. XXXX Caller # XXXX was XXXX agent who identified himself as XXXX XXXX XXXX calling from ( XXXX ) XXXX on a recorded line from XXXX  Indiana and with ID XXXX. XXXX agent confirmed that XXXX was a private company registered in Missouri. He confirmed in direction contradiction to what XXXX stated to CFPB. The said agent confirmed that XXXX does not work for the government. MOHELAs prior response to CFPB is that they collect federal student loans, which was a false statement concerning our matter. On a recorded line, we confirmed with XXXX XXXX that he is acting for XXXX, his is an employee of XXXX, that he is authorized to speak for XXXX, and that he accepted all liability and waived immunity from prosecution speaking on behalf of XXXX. We informed him that he and XXXX owe XXXX {$7000.00} for XXXX XXXX of the Federal Do not Call List, and two copyright uses of {$500000.00} each per the published fee schedule on search.jeffersondeeds.com and that the Executor Office was occupied. We demanded that XXXX pay us {>= $1,000,000} for the Copyright use and the XXXX violations. We demanded that XXXX Cease and Desist, and restore our credit showing no Debt, No Deliquency, as XXXX was involved in criminal racketeering activity using wire, mail, and lying to federal regulatory agencies in attempts to defraud people. We informed said agent that under the XXXX XXXX, XXXX had conspired in deprivation of rights under color of law, had furthered the NAVIENT criminal scheme and since the crimes had already been committed, anyone furthering the scheme would be held to the same level of liability/ penalty. All of the liability on XXXX now rests on XXXX as co-conspirator involving two organizations and no less than XXXX individuals to further the scheme. The said agent stated he was offering us the opportunity to work out a payment plan. We confirmed the our payment plan was this : XXXX CEASE and DESIST, XXXX Provide Proof of Contract, XXXX pay us {>= $1,000,000}. 

On XX/XX/XXXX XXXX caller agent # 8 made a call to our number on the XXXX DO NOT CALL List, despite our having informed XXXX to CEASE and DESIST and to annotate the notes in the record that they are in violation of the Federal Do Not Call List and owed us {$1.00} for their scheme, now with the XXXX caller, XXXX owes us {>= $1,000,000}.

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