Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I AM A FEDERALLY PROTECTED CONSUMER I HAVE BEEN VIOLATED BY TRANSUNION WITH THE REPORTING OF A 3RD PART DEBT COLLECTOR XXXX XXXX  ACCT XXXX  XXXX. I FIRST REPORTED BEING VIOLATED FROM XXXX XXXX  AND SENT IN A COMPALINT WITH THE CFPB ON XX/XX/22 AGAINST XXXX XXXX ON THIS ACCOUNT. AND I HAVE THE CFPB DISPUTE REPORT CASE XXXX  XXXX AS PROOF. IN THAT DISPUTE I REJECTED AND I STILL REJECT XXXX XXXX  OFFER TO CONTRACT. I DID NOT NOR DO I CONSENT to any NON-AFFILIATED THIRD PARTY ( XXXX XXXX  ) to be in possession of my Non-public Personal Information and be sharing this is a breech of privacy.. THIS WAS A VIOLATION OF THE FCRA, FDCPA, GRAMM-LEECH-BLILEY ACT , and the FEDERAL TRADE COMMISION THE ( FTC ) ON MY NON PUBLIC PERSONAL INFORMATION BEING VERY IMPORTANT TO PROTECT. I NEVER GAVE MY PERMISSION TO CONTACT ME ( XXXX XXXX  ) OR USE OF ANY of my NON PUBLIC PERSONAL INFORMATION to commit fraud by putting this ALLEDGED COLLECTION ON MY CONSUMER REPORT. I WAS DAMAGED BY THIS COLLECTION ACCOUNT ON MY CONSUMER REPORT. I WAS RECENTLY DENIED A EXTENSION OF CREDIT RECENTLY DUE TO THIS COLLECTION ON MY CONSUMER REPORT AND UNDER THE FCRA HAVING ACCURATE FAIR SUITABLE CONSUMER REPORT IS MY RIGHT AND THE BANKING SYSTEM IS DEPENDENT ON ME THE CONSUMER. XXXXTRANSUNION THIS IS YOUR NOTICE TO DELETE THE XXXX XXXX  COLLECTION ACCOUNT FROM MY CONSUMER REPORT 2. BE ADVISED I SENT XXXX XXXX  A CEASE AND DESIST NOTICE THROUGH A CFPB DISPUTE SENT ON XX/XX/22 IN THAT DISPUTE I TOLD XXXX XXXX  THAT BY PUTTING ANY COLLECTION ACCOUNT ON MY REPORT IS CONSIDERED COMMUNICATION UNDER THE FDCPA AND A VIOLATION AND XXXX XXXX  DECIDED TO WILLFULLY BE IN NON COMPLIANCE OF THE FDCPA AND PUT THE COLLECTION ON MY CONSUMER REPORT ANY WAY AND THIS IS CLEAR VIOLATION. TRANSUNION BY YOU ALLOWING THIS TO BE REPORTING ON MY CONSUMER REPORT YOU ARE CONSPIRING WITH XXXX XXXX  AS THEY VIOLATE MY CONSUMER RIGHTS UNDER THE FDCPA AND. THIS ALSO constitutes Aggravated Identity Theft 18 USC 1028A. By CONTINUING reporting this on my consumer report this alleged debt SOLD BY ( XXXX ) TO XXXX XXXX  ) WITH MY NON-PUBLIC PERSONAL INFORMATION. I now have reason to believe that XXXX, XXXX XXXX, TRANSUNION ASSISTING WITH REPORTING THIS COLLECTION ACCOUNT YOU ALL ARE conspiring against me trying to EXTORT ME on a EXTENSION OF CREDIT through unlawful EXTORTIONATE MEANS. 18 USC 894 STATES a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. There WAS AND IS NO TRILATERAL CONTRACT BETWEEN ME AND ( XXXX XXXX ) CASE LAW SPEARS V BRENNAN Court of Appeals of Indiana ESTABLISHES ON WHAT IS NEEDED TO BE A VALID LAWFUL OBLIGATION TO PAY, THERE IS NO LEGAL LAWFUL OBLIGATION FOR ME TO HAVE TO PAY ( XXXX XXXX  ) THERE IS NO CONTRACT NOR EVER WILL BE A CONTRACT BETWEEN XXXX. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM DEBT COLLECTORS THAT VIOLATE, AND CAUSE DAMAGE TO THE CONSUMER LIKE YOU DID ME. YOU ARE IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT WHICH STATES " Section XXXX of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. BY TRANSUNION ALLOWING XXXX XXXX  REPORTING THIS ALLEDGED DEBT ON MY CONSUMER REPORT UNDER THE FCRA 15 USC 1681N AND 15 USC 1681O TRANSUION YOU WILL BE VIOLATING MY CONSUMER RIGHTS UNDER THESE FCRA LAWS I LISTED. DUE TO XXXX XXXX  PUTTING A DAMAGING COLLECTION ACCOUNT ON MY CONSUMER REPORT I WAS DENIED AND PROHIBITTED FROM A EXTENSION OF CREDIT FOR HAVING THIS " XXXX XXXX COLLECTION '' ON MY CONSUMER REPORT. NOW DUE TO THIS FALSE CLAIM TRANSUION AND XXXX XXXX  IS RESPONSIBLE AND PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL RIGHT ESTABLISHED BY US CONGRESS. AND XXXX XXXX  WITH ( THE HELP OF TRANSUNION REPORTING THIS ON MY CONSUMER REPORT ) AND IS NOW IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED,, AND FEDERALLY ENFORCED UNDER 15 USC 1692e ( 8 ) is a violation under the FDCPA allows ME to sue debt collectors for false credit reporting. This part of the law tells debt collectors not to falsely report, or report something that they should know is false. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) XXXX XXXX  IS IN VIOLATION OF 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY XXXX XXXX  BE ALLOWED TO FURNISH THIS BY TRANSUNION THIS FALSE ALLEDGED DEBT ON MY CONSUMER REPORT XXXX XXXX  WITH THE ( HELP OF TRANSUNION ) ARE DAMAGING MY CONSUMER REPUTATION. I WAS DENIED A HOME LOAN. AGAIN I HAVE NO CONTRACT WITH XXXX XXXX. I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH XXXX XXXX  NOR DO I DESIRE TO. TRANSUNION IMMEDIATELY DELETE THE ALLEDGED COLLECTION FROM MY CONSUMER REPORT. AND BE ADVISED UNDER 15 USC 1692K I AM TO BE AWARDED CIVIL DAMAGES AND {$1000.00} PER VIOLATION FINDINGS. AND I AM NOW POINTING OUT I FOUND FDCPA VIOLATIONS. I WILL DEMAND MY DUE CIVIL DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I WILL DEMAND TO BE MAILED MY {$1000.00} DAMAGES FOR VIOLATIONS OF THE FDCPA IN A CERTIFIED CHECK TO MY MAILING ADDRESS XXXX XXXX XXXX XXXX  XXXX, IA XXXX. TRANSUNION DELETE THIS ALLEDGED COLLECTION FROM OFF ALL MY CONSUMER REPORT IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.D.C.P.A, FCRA, FTC, AND ESPECIALLY CFPB. FEDERAL LAW HAS GUIDELINES THAT ALL THIRD PARTY DEBT COLLECTORS ( XXXX XXXX  ). TRANSUNION DELETE THIS 3RD PARTY DEBT COLLECTION ACCOUNT NOW. IM STANDING ON ALL MY CONSUMER RIGHTS THE FCRA, FDCPA, FTC, CFPB, STATE I HAVE. CFPB PLEASE REGULATE THIS DAMAGING AND INJURYING VIOLATIONS OF MY RIGHTS.

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