Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently applied for a HELOC loan. Due to a medical situation I have to be out of work for XXXX  months. Although my insurance and job will be continuing- Job secured, medical insurance paid for. I will not be receiving a paycheck. I was denied the loan. I was confused. So I checked my credit reports, for the first time, XX/XX/XXXX. XXXX. My credit reports from all Agencies were wrong. I requested that all three Reporting Agencies, freeze my reports. I repeatedly spoken with their customer services each one had different information. XXXX, told me they ran me through the dark web.. and my information had been exposed, XXXX and again in XXXX. And my name and information was on there XXXX times. They froze my account and told me to report stolen identity. XXXX read my reports and disputes, investigated and begin correcting things right away. They did tell me to report fraud. XXXX-has merged my information with my twin sister and another unknown person. Everything is wrong- names, addresses, loans, debts, collections .... Every time I speak with TransUnion or dispute something, my report gets changed with different incorrect information and more loans have been added, lowering my score each time. Yesterday XXXX, I called TransUnion again because My sister was now associated with my social security number. I was unable to talk to anyone because they couldn't verify me and told me and that there wasn't anything they can do. There are XXXX student loan accounts now, XXXX mortgages, delinquent bills, personal loans, unpaid bills in credit collections, credit cards that were never paid, several credit cards that were open. There is even a house that has been foreclosed on and an address that is listed as a XXXX XXXX XXXX The only loan I have is my current mortgage, which is up to date, reflects my payments- and in good standing- I've never been late on my mortgage payment. I have reported ID theft, and Fraud. TransUnion has not frozen my account nor investigated any dispute. The first time I spoke with someone from TransUnion 's customer service, credit repair agencies. lenders, and many scammers immediately started contacting me, and the TransUnion report now shows almost a hundred inquiries on my report Transunion has sent emails telling me my information was correct and my bank is where they got my personal information. has also been contacting me telling me they have gotten information from me through my bank and creditors. They assured me There is no incorrect information! They have been changing things on my report to " correct it '' everyday since XX/XX/XXXX, but have only deleted correct information and added more incorrect information with other people 's information now on it. 

XXXX XXXX the following I wrote the following in a dispute : The information on my report is wrong. It says I have loans and credit cards and mortgages and auto loans in Connecticut and Virginia. The names and addresses and place of employment are wrong as well. I talked to some one to assist and correct or look into this ... they next day, they had changed it. They put the wrong primary name and wrong current address on the report. It won't let me change it and they won't upload a dispute of mine of possible Identification theft. This is a serious matter. They keep going in and changing or adding names or addresses ( that are wrong ). 
They sent an email about an hour later informing me that they investigated and corrected my report. 
They did not correct it but they did make changes to it. My mom was listed as primary and me and my sister were AKA. Her name was on twice, misspelled. 

I replied : Its about ALLLLLL of the loans and credit cards taken out and used in my name. Thousands of dollars. I need to dispute and contact someone about this, not a name change. ALLL of the REPORT is WRONG I disputed several things again : About an hour later. I received an email in regards to all the disputes. They informed me I was able to view it through my TransUnion account. I logged on and viewed it. It was incorrect and additional loans and reported place of work addresses a cable bill in collections. Several things not mine. 

I called customer services again. They gave me information to contact a lawyer through them, for a fee of XXXX and had me say that I agreed or I didn't agree over the phone in order to agree to the terms to have their legal team look at my disputes, after I said I agreed to have a lawyer look at my report XXXX was immediately drafted from my personal checking account. XXXX XXXX XXXX sent me an email saying they would review my case within 30 days, I needed to just sign e-sign the form they sent. Then I read a link from the email that stated each month during the investigation would be a fee and drafted from my personal banking account. I tried to get in touch with them, the phone number was just a recording and I wasn't able to speak with anyone about closing my account. Hours later I was finally able to have that account with them closed. I'm at a loss now and do not know what to do anymore or who to contact. 

Again I made a dispute and the same day received an email stating that the investigation was complete and I could check my report to view the results. Again they informed me that they looked into the matter and resolved the dispute. 

I checked my report it had been changed and was wrong again. 
I disputed all of the wrong information again.. 
I replied again : REPORT IS WRONG AGAIN. IT STILL HAS ALL THE WRONG INFORMATION. I DISPUTED ALL THE THESE THINGS ON THE XXXX, XXXX, XXXX, XXXX, BECAUSE EVERY DAY IT WAS WRONG AND SMALL THINGS WERE CHANGED WITH MORE WRONG INFORMATION EACH DAY. TODAY THE REPORT IS WRONG AND INCLUDES EVEN MORE INFORMATION AND LOANS AND DEBTS THAT ARE NOT MINE AND DOES NOT HAVE ME EVEN ASSOCIATED WITH MY OWN SOCIAL SECURITY NUMBER, SEVERAL INCORRECT THINGS HAVE BEEN DISPUTED. HAVE NOT CHANGED, AND ADDITIONAL LOANS AND DEBTS THAT ARE NOT MINE HAVE BEEN ADDED TO MY REPORT. IT WON'T LET ME DISPUTE AGAIN OR DISPUTE THE NEW INCORRECT ONES THAT ARE NOT MINE THAT WERE ADDED TODAY OR DISPUTE THE WRONG NAME ON MY SOCIAL SECURITY NUMBER. 

I am no longer able to speak to anyone because now my Identification can not be verified. I was cut off several times when I called to explain and verify and proof I was in fact me. 

I have spent days, all day trying to fix this. Have lost sleep over this, spent hours crying and I am beyond physically and emotionally exhausted and stressed over this. I'm at a lost of words now and I do not know what to do at this point. 

I need this looked at and I something done to fix it as soon as possible. 

Thank you XXXX XXXX

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 explanation