• Report: #1120976

Complaint Review: TransUnion

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  • Submitted: Tue, February 04, 2014
  • Updated: Tue, February 04, 2014

  • Reported By: Troy — Tucson Arizona
TransUnion
PO 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]....

.....  I’m not irresponsible.  I’m forced into poverty because of government policy.  Yet when banks run a credit report they see the result of my disability and government policy and not my sense of responsibility. 

 

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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#1 Author of original report

Credit reporting agencies violate religious freedom

AUTHOR: Troy - ()

I should add one more thing I forgot to ad.  My credit score is lower because of my religion.  I don't believe in using credit unless it's a last resort. So because I don't use credit cards and repeatedly borrow money I'm insulted by the credit reporting agency for my belief system.  There is no evidence that I am untrustworthy because I don't believe in making banking companies (terrorists) money because they cheat, steal, insult, and they do so because of the practice of extortion, knowing people will suffer if they have no money so they take advantage of making money off of suffering and the government supports that. 

I call banking terrorists because they commit acts of terrorism all the time called foreclosures. The justice system is terrorists also, referring to evictions.  Why do you suppose they call homeowners "landlords".  God is my lord.  When a person is made to be my lord my religious freedom is violated. 


Getting back to my point, banks automatically assume everyone is going to scam them, lie, steal their money and so they deny you credit until you prove that you won't scam them.  A psychologist two thousand years ago made the statement that a fundamental judgment of another is the reflection of one's own self and has remained true to this day.  This means that the banks are the scammers living in a paranoid delusional state incapable of acknowledging their own criminal nature having designed a paranoid system that tortures millions into needless poverty and people are dying and are tortured because the people who are super wealthy feel entitled to more money. 


Those who own and operate the international banking industry are the ones who truly want something for nothing and not only expect others to support them in all of their multi trillion dollar empires but they will torture and kill anyone indirectly, like cowards do, through poverty who disagrees with their system of economics (tyranny). 

alternet.org/culture/crybabies-1-percent-rich-complain-while-getting-away-everything  

An example is the Fractional Reserve System.  We were all taught as kids that if you deposit $10,000 in a bank that bank can lend that money out but in the Fractional Reserve System banks can lend $100,000 on that one $10,000 deposit meaning most people's loans are based on money that never existed in the first place.  And then the banks force you to either do one of two things, 1. starve or freeze to death, or 2. agree to the criminal actions of the bank if you don't pay it back and pay interest on money it never lended you in the first place.  Banks do the unethical things you have accused me of.  So when you say I just want people to support me that is a laughable joke because that's what the banking institution, the government, and business all believe in.  It is sad that a bank is afraid to risk lending money that doesn’t exist and will commit acts of government supported terrorism through the judicial system to get a number in a computer system back (foreclosures, evictions, repossessions, theft) and most of the time when money isn’t repaid its not because of irresponsibility of the borrower but rather those who destroy the economy or make the rules that people must live by even if they don’t agree with it because it either violates the human body, mind or the soul.  Interest paid to a bank is literally charging a borrower for being extorted and taken advantage of.  Money is permission to live and that makes those who have it act like they’re god in violation of the first amendment.  Tis why many call themselves “lord” like landlord.  Everyone has a soul, mind and physical body to take care of but the banks insult us for wanting to live a healthy life, literally, just like the shills here insulting me for wanting justice, to return an unhealthy and damaging practice to be abolished! 

I have discovered that I cannot practice my religion because this economic system is designed specifically to force people to worship people in complete violation of the commandment “thou shall not have any god before me”.  Anyone who obeys anyone for any reason is worshiping them as god meaning the economic system forces people to worship people with money because people who have money think they’re better than you, more deserving than the poor, and they demand your obedience and you pay them to live, literally!  And these credit reporting agencies simply coerce people in fear of not making banks money because they expect you to pander to their unethical practices of defamation of character and libel by forcing you to get “revolving lines of credit”, which luckily for the banks make them money, and that is a sin that damages the soul and is against the religion of anyone who knows precisely what Jesus taught.  Jesus prophesied about this very thing in Matthew 5:11&12.  Interested huh, that we live in a country wehre the first amendment promised freedom of religion but the economic system forces us as a practice of extortion and coercion to worship people with money, power, or property for permission to live and that system forces sin in the soul of every single victim of this economic system because sin causes aging and eventual death.  The economic monetary system and the government are the physical manifestation of the Christian god who demands obedience or will torture you if you don’t obey as a slave, exactly like the economic system in pure violation of the first amendment!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 P.S. being that I’m made, as a non worshiper of people, to live on $9,000/year, if I had anything in my budget that resembled a minimum payment I would use that money to buy a bed, replace my holy underwear, my shoes where the lining is ripped out of the heal for walking the streets of Tucson everyday as a homeless person, and more before they’re going to get a single dime from me.  I do not believe in the satanic practice of sacrifice.  I’m not going to torture my body because someone demands money that I was denied to make in the first place. If I ever have the freedom to start a business in America I will leave this country and immigrate to another because it would too emotionally torturous to know that I’m being forced against my will to pay taxes to a country that forces an economic religion that is identical to Christian beliefs that result in the torture and/or death of the poor and the disabled KNOWINGLY and doing nothing about it even though I can inform them of it!!!!!!!!!!!!!

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#2 Consumer Comment

You're an idiot blaming EVERYONE but yourself for the problems YOU created yourself...

AUTHOR: Ken - ()

You're living in denial and accept no blame or responsibility for your own poor decisions.

If you don't like the rebuttals you got here, DON'T bother to post here.  The way it works is, you file a Ripoff Report and eveyone reading it is entitled to express their point of view and don't have to post just responses you might like.

If, as you've seen, you are an IDIOT, you will have that pointed out to you.  Grow up, if you can.

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#3 Author of original report

I'm here for Justice, not to argue with Shills

AUTHOR: Troy - ()

Sorry guys, but I didn't post this here to argue with Shills.  I'm here for justice.  Sorry you don't understand or don't want to. 

naturalnews.com/042093_internet_trolls_chat_rooms_federal_government.html

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#4 General Comment

As...

AUTHOR: Tyg - ()

 As a disabled individual myself I find your "story" sickening. How many other people are you going to blame for your life and YOUR choices? Stop playing the victim, it doesnt look good on you. Accept the fact that YOU put YOURSELF in this position. It was YOUR choices, and YOUR actions that has brought you to this. You CLAIM its against your religion to suffer your body, yet you CLAIM you tried to kill yourself. What exactly is this religion that ALLOWS you to pamper your body but agrees with suicide? You could clear this all up with your student loans by making a MINIMUM payment. Call them and TALK with them. Dont pull your "disability" out, THEY DONT CARE!! Its not their job to care about YOUR personal life. Their job is to administer payments.

NO ONE CARES THAT YOU ARE DISABLED!! Unless the individual you are speaking with is your doctor or your momma, its not their place to care or do more for you then they would do for an ablebodied individual. Lastly, cry us a river whiner. Boohoo your life is SO BAD!!!! All of your issues can be cleared up with some effort and planning on your part. But I get the feeling that you would rather play the victim then get yourself out of that hole. Its SO MUCH MORE SATISFYING TO BLAME OTHERS FOR YOUR MISTAKES!!

You need to address YOUR issues. No court in the land is going to give you one thin dime. All the credit agencies are doing is reporting your LEGALLY OWED DEBTS. If this has caused you problems then you need to look in the mirror and tell that person stareing back at you to get off their a$$ and make something of themselves. STOP BLAMING OTHERS FOR YOUR MISTAKES IN LIFE!!! It sickens me that as a disabled person, I have to pay into a system that REWARDS people like you with FREE MONEY!! Im 100% sure you already blew through the money YOU paid into it. So I and many others has to pay for you to sit on your a$$ all day and play video games and post your lies on the web. How is THAT fair??

Heres another one, WHY SHOULD I HAVE TO PAY FOR YOU??? There are MANY places that you could get a job at. Have you tried your local opportunity village?? How about a walmart greeter? There are many companies out there that dont have a handicapped person on staff. They usually keep 1 or 2 disabled around to show that they have a fairness in hiring. Im betting that as well as blaming EVERYONE ELSE for your mistakes in life, you completly dismissed YOURSELF from the world. The disabled can and do live a VERY productive life. But the enjoyment of that life only comes with DOING THE WORK!!!

Stop playing a victim, the only entity that has victimized you IS YOU!! Stop blaming others for YOUR mistakes. YOU ditched school. YOU chose to run away from your financial obligations. There is NO ONE who can get you out of this situation EXCEPT YOU. The sooner you address THESE issues, the sooner you will find the drive to make your life better.

And really 5 MILLION?!? Just a little while ago your life wasnt worth anything as you tried to throw it away. You will have to prove the credit reporting agencies have caused you DIRECT harm. You have to PROVE it was a malicious attack orchistarted BY them FOR the EXPRESS purpose of causing you harm. You wont be able to do this because the credit agencies are ONLY REPORTING FACTS!!

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#5 Consumer Comment

An excuser & dreamer here!

AUTHOR: MochaG - ()

"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."

Oh boy, start the report with blaming game. You are very good at pointing your finger to others. Yes, some people can convince themselves that they are never wrong but it is all because of others! And by the way, WHAT IS YOUR DISABILITY?

You are a disabled person, so what? You mean because you are a disabled, others must be sympathy and give whatever you want because of your condition? I could be sympathy for you, but that does not mean I would be out of pocket because of your condition. They are not related!

"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."

And how would you call this besides irresponsible when you are RESPONSIBLE to pay it off? Have you tried to work it out with the creditor? Have you ever thought about trying to pay it off? NO, because you think you are being GIVEN too little money to pay, you now cannot do anything. As a result, you simply sit there doing nothing but holding your hand out begging!

"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."

You are such a self-righteousness person that think others must pay for your existence! They have been given you some money every month when you did NOT even lift your finger to work for! Who do you think are paying for your existence? Me and many others! Those who are paying into social security and have not seen a dime from them because we are not eligible yet! But you, you are getting it for FREE without any WORK! So you have NO RIGHT to make a complaint about getting too little of the FREE money!

"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."

First, the school is a PRIVATE school which is NOT CHEAP! Because you thought that student loan is FREE money, you went there and it is your OWN DECISION. No one tied you up and forced you to go to that school! Also, every COLLEGE LEVEL school nowadays has this similar public speaking class. The purpose of the class is to help you facing your fear of public speech. Even though it may or may not get rid of the phobia, you simply ran away from a challenge! If you actually passed out on your presentation, you would have passed the class because it showed that you were trying! But no, you chose to walk away and it is your irresponsibility! You need to learn to admit your OWN WRONGFUL DECISION!

"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."

Now comes another excuse. How could you make a $10,000 per month profit from website building? You think you are capable of create/design/maintain a good website? You are such a dreamer! You have never tried or had a sample product, but you claimed you can make that much money already? I would not be surprised that the bank would not loan you because of your exaggerated business plan and your credit report. Also, there are OTHER ways to get the loan amount, but the interest would be a lot higher. If you REALLY want to have a business and CAN successfully do it, you would have taken the risk and get the loan from those loan sharks! Yes, it may take much longer time to pay back and may not be worth while in a short period of time as you wanted (1 year), it would still get you going. But NO, you simply point your finger on the bank!

"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."

And? I am serious. What do you want others to feel for you on this statement? So if I tried to commit suicide but SOMEHOW I survived, other people should now give me a reward?

"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."

Seriously? They reported the fact and it is exactly what happened, so there is no libel. You are a real dreamer and so you should keep dreaming.

"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?"

Now I see. You have NO IDEA about your business at all! If you cannot present anything in public, why do you need an office for? If you are going to work on web site development, why do you need a real office? You need a computer, a web hosting, and an Internet connection! Stop wasting your time complaining and begging for money, but start working on how to better your life WITHOUT spending more money! Don't tell me that you need more money to better your life because it is NOT true!

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#6 Consumer Comment

You are wrong....

AUTHOR: Robert - ()

Wow...just how many excuses can you put into one report.  While I am sorry that you have a disability, you have become one huge excuse machine as to why everyone is "Keeing you down". When you got your student loan you agreed that they can report to the various Credit Reporting Agencies.  So yes you did consent to them posting your payment history(or lack there of).

Credit Reporting Agencies and Creditors do not care if you had the money and just didn't pay or couldn't pay because of one of 1000 excuses you seem to have.  The end result is the same..you did NOT fulfull the legal oblgiation you made to pay back the money you borrowed. 

You were not "forced" out of school.  You choose to leave school because you say you will faint if you have to give a public speech.  Oh and as for suing them for $5 Million Dollars, you do know that once you do that you will be required to make various speeches in public.  Just thought I would give you a bit of a heads-up so you can prepare yourself when you faint.

You could go to Community Colleges probably for a fraction of the cost and if you have the finanical need you say you do probably for a reduced fee(or even no fee) that you can take what ever classes you want.

One final thing on your suit, I am just going to tell you now there is no way in any shape or form that you will prevail in a $5 Million dollar suit.  In fact the first court hearing it will be thrown out by the judge within the first 5 minutes. 

But I will tell you that you may at the very least be able to get the negative items removed from your reports.  There is the Fair Credit Reporting Act and Fair Debt Collection Practices Act that regulate what can and can not be reported on your credit reports.  You say you got this loan in 2002, depending on what payments you have made on this it may actually be past the legal reporting period. 

A negative item can only remain on your credit report for 7 years from the date of the last delinquency.  So if you have not made any payments, made any written agreements to pay it since about 2007(give or take several months depending on the details) you may be able to have it removed.  Now, if you have a judgement against you for this amount that may still be allowed to be listed. 

But I will tell you that even if you are able to remove all of your negative information that will not guarantee that you will be approved for any loans.

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