- Report: #1120976
Report - Rebuttal - Arbitrate
Complaint Review: TransUnion
TransUnionPO Box 105283 Atlanta, Georgia USA
TransUnion Credit Card Agencies commit defamation of character and libel against the poor and disabled Atlanta Georgia
*Author of original report: Credit reporting agencies violate religious freedom
*Consumer Comment: You're an idiot blaming EVERYONE but yourself for the problems YOU created yourself...
*Author of original report: I'm here for Justice, not to argue with Shills
*General Comment: As...
*Consumer Comment: An excuser & dreamer here!
*Consumer Comment: You are wrong....
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All credit reporting agencies are committing defamation of character and libel against the poor and the disabled.
I am a disabled person trying to start a home based business and I have been denied loans because of credit reporting agencies reporting non-truths against my will and without my consent that has sabotaged my ability to start a business. I have been forced into positions of physical pain and torture because of being denied a loan to start a business to better my life.
I have student loan from 2002 in the amount of $3330. It’s been reported and not paid. Why? Because I’m disabled and disabled insurance benefits awarded me $528/month and that is all I had to pay rent, utilities, phone, transportation, food, clothing, and other miscellaneous supplies and to have a budget to pay a loan payment didn’t exist. [continued below]....
Reporting a loan not paid gives the assumption that I had the money and chose not to pay it, but that’s not true at all. I never had the money. In order for me to pay this student I would have had to physically starve and torture my body to make a payment by sacrificing food or rent in order to make a payment and that is against my religion to torture my body for any reasons at all. So reporting this as not paid is a lie because I would have done it if I wasn’t disabled and had the money.
The reason why I don’t have money is because of the government’s social security policy to determine benefit amounts based on how much one paid in and because I was disabled at the age of 19 I never had much of any ability to pay in so you’re technically reporting government policy, not my sense of responsibility which is you lying about me.
In 2002 I was homeless and enrolled at Dunwoody College of Technology in Minneapolis, Minnesota and before I did enroll I made the school fully aware of my disabilities so I knew there wouldn’t be a conflict. At the beginning of the second quarter the school’s program administrator, Malik, told me that I had to do public presentations or leave the school fully knowing that I had social anxiety disorder and panic disorder. I would virtually pass out just giving a public speech. According to Malik their reasons was because I wouldn’t have the “Dunwoody Difference” that employers are looking for. All I wanted to do was learn how to build and maintain websites. They did care about what I wanted. I didn’t care about some school’s “difference”. I tried to compromise with the instructor and told him that I would try doing the presentation for the instructor only instead of a whole classroom and he said no. So I was forced out of the school and left with a student loan, no job skills and multiple disabilities. Does your report on me tell potential loan officers and apartment managers that I was discriminated against in a higher education school and because I’m disabled at an early age that I wasn’t able to pay it? Nope. Therefore, the minuscule amount of information you report only tells a tiny fraction of my story and it amounts to a lie because those who seek out that information do not get the truth at all. One tiny part of my story is being negligently responsible for defaming my character.
I have since learned a way to make a living in a home based business and I have applied for an $8,000 microloan with Wells Fargo and Accion and they have both denied me the loan because of my credit report despite the fact that my plan would be able to pay the loan within under a year. The business plan would allow me to make an estimated $10,000 per month profit. The only way I can pay the student loan is to start a business but you are preventing me from doing so by implying that I will not pay the loan when my business plan is highly viable.
About 16 months ago I applied for a microloan to start a business and was denied because of my credit score which is a judgment on your part that has nothing to do with the truth. What information do you have on me that prove I’m irresponsible and will not pay a loan? What right do you have to reduce me to a number based on a lot of missing data? Did you have my consent in writing to report anything on me? No!
This last year I have been homeless, tortured via diseases for which I have pictures that make me look like I was physically beat up and spinal injuries which required me to acquire a walking cane to stand up and sit down. I sleep on the floor in my apartment because I have no bed and that is physically painful in the herniated disk I have in the lumbar region of my back as well as my ribs near the subluxation in my mid back area. When I was in a motel for a short while I was literally praying to god to help give me the strength to accept that I may have to freeze to death as a homeless person. I live in fear of my life and of physical injury or disease and that never would have happened if the credit reporting agencies were not judging me falsely by trying to reduce me to a number that ultimately reflects government policy toward the disabled and Dunwoody College of Technology’s discriminatory nature against disabled people!
In April of 2012 I tried to suicide myself because the only way I know how to live torture free life and pursue life, liberty and happiness is to be a dead person and live as a spirit being only.
Any credit reporting agency (Equifax, Experion, Transunion, that has determine me to have poor credit I am going to ask for $5 million (each) compensation for your defaming my character, committing libel against me, distributing information about me without my consent, and judging me publically without knowing who I am at all and those things resulted in me being tortured physically (structurally and disease-wise) and emotionally for years.
According to my very own credit report it states that my score is “harming” me as in my reputation with lenders. Your report on my account specifically states the following “1. You have been late with your payments on 75% of your accounts.” This is a perfect example of defamation of character and libel because the report suggests that I had money to make the payment and didn’t make the payment and because of that I am an irresponsible person and can’t be trusted to pay back a loan.
Look at the picture I uploaded? It’s my office. You’ll say, “What office”. Exactly! The office would have if I could get a loan and run my business. How am I going to run a business without an office or the means to create and distribute product? This is the paradox your company forces me into. I have to pay off my student loan to improve my credit so that I can loan to start a business but I need to get a loan to start a business so that I can pay off the student loan – for which you have denied me the ability to do so by damaging my reputation with lenders, hence, the reason why I am seeking compensation for your damaging my life. What say you?
This report was posted on Ripoff Report on 02/04/2014 07:55 PM and is a permanent record located here: http://www.ripoffreport.com/r/TransUnion/Atlanta-Georgia-30348/TransUnion-Credit-Card-Agencies-commit-defamation-of-character-and-libel-against-the-poor-1120976. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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