Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was stolen, my identity was used and fraud was committed to obtain access to credit cards ( which were sent to collection agencies ), existing credit cards were used that were paid off 100 %, new credit cards were obtained using my previous address and data, there was unemployment fraud for pandemic assistance in the XXXX of XXXX  and this income was then reported as wages earned to the IRS. I had no income for several years due to health reasons. In XX/XX/XXXX I pulled my Free Credit Reports after finding out from my Tax Firm that income had been reported to the IRS from Ohio XXXX, during years I was unemployed due to health issues and also during a time when I resided in the state of Indiana, I wasn't even a resident in Ohio. Sure enough, it was discovered there and then when I obtained my credit reports that someone other than myself had been using my information and committed identity theft. I immediately got in touch with the Federal Trade Commission and followed each step given to me when I filed a report to the FTC XXXX. I then further investigated my data and discovered my personal information had been leaked in the XXXX XXXX XXXX in XXXX, and too, my information was reported to the XXXX XXXX  XXXX times, including my social security #, email, email password, my previous address and more. I had previously been robbed at my precious address in XXXX, in this theft incident a police report was filed and noted that personal documents had been stolen, these documents included my birth certificate and social security information. I immediately contacted all XXXX credit bureaus and placed a Fraud/Identity Theft XXXX, a XXXX XXXX XXXX and began disputing all of the accounts fraudulently obtained using my name in order to obtain credit. I initially disputed these over the phone in XX/XX/XXXX. I then gathered all pertinent documents, police reports, signed and notarized affidavits, sign statements, Federal Trade Commission Report and began working on this issue and concerning matter every week, to current. I had to spend money to purchase a printer, a computer and essentials needed to diligently stay on top of monitoring my credit reports. I have been spending money on Online Applications that allow me to monitor my reports each day, such as XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX XXXX - everything I can think to do in order to remove this HUGE Monkey from my Shoulders, it's been a nightmare and incredibly stressful. Additionally, I sent a rather large XXXX Mail packet to XXXX, TransUnion and XXXX. XXXX and XXXX saw the validity of this XXXX and assisted me, along with the creditors to remove these fraudulent accounts. However, I'm having an ENORMOUS issue with Transunion and they can NOT offer me an explanation regarding HOW and WHAT they " Claim '' to receive that served as " Account has been Verified!! They are permitting XXXX fraudulent accounts to remain on my credit report. These XXXX accounts are being reported as " Collection Accounts '', XXXX account is XXXX Bank {$830.00} and the other is XXXX c/o Credit XXXX Bank {$590.00}. These were part of my Identity Theft Notarized and Certified packet mailed to them in XX/XX/XXXX, which included XXXX Police Reports, my FTC Identity Theft Report and Signed and Notarized Affidavits. BOTH XXXX and XXXX removed these accounts, however Transunion claims they were " Verified '', BUT can NOT offer any explaination on HOW they were verified or what documentation they received that would have included my signature or any PROOF to claim them valid.. IN FACT, the XXXX collection account was on behalf of XXXX XXXX Bank, to which I was just recently approved for a {$1000.00} Credit Card. This is taxing and I've been doing ALL required of me to follow the rules and report Identity Theft. I have also went to the Attorney General XXXX XXXX to file a complaint recently. This is causing me extreme duress because I need to refinance my vehicle and purchase property, yet with my Transunion Score I am hindered and can NOT obtain decent interest rates. I need this resolved and they have been HORRIBLE to work with. I have made close to XXXX calls to them each month, because not only are they not correcting my credit report, but they keep suspending my FREE service account on their site so I am unable to follow my disputes online, edit my credit freeze/unfreeze, access my free weekly credit report allowed to those with identity theft, etc. Each time I call, I get random and different explanations. I am transfered to XXXX XXXX, XXXX XXXX, XXXX Relations, etc. Generally calls can be disconnected before I even get to the right person. I get error messages online that they can't explain or seem to fix, therefore I just get notices that they suspended my online account because they can't verify my identity. Due to this Technical and unresolved issue l, which has been occurring since XX/XX/XXXX, almost XXXX now, I can't access my Free Report on Annual Credit Report either. Additionally, I have to spend money to send everything via mail because I can NOT add documents online regarding disputes, etc. This is NOT how a consumer who has been a victim of Identity Theft and XXXX should be handled, it's stressful enough! At this point, I need assistance because I'm out of patience and I need to progress further so I can obtain my financial goals to better my future and launch forward. 

CREDIT FILE # XXXX XXXX Bank Account # XXXX {$830.00} opened XXXX " CHARGED OFF '' XXXX  Account # XXXX {$510.00} Opened XXXX " COLLECTION ''

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