Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Problem with personal statement of dispute

Complaint:
Transunion keeps showing things where a application for a car loan believe it was submitted and a few days later again, same company listed so my credit score is reduced for what should not be an issue as far as I am aware and had asked credit reporting company if they need to verify who I am to use things like being adopted from XXXX to XXXX as a small child, but instead of fixing my credit or sending in to verify myself my score dropped almost 10 points for no reason. I do not believe there should be car company allowed to have info some not by myself on car loans submitted let alone submitted twice it appears, what since would that make for anyone to do and get docked another 4 point since some of the dates seem 30 days older, hard when you can not talk to anyone, I did show them my home loan or HUD form showing I bought my house in XXXX and was paid off as well as two car loans one for XXXX XXXX new and XXXX XXXX. I also get issues for being added to my mom 's credit cards as a co signer as the cards were original setup by XXXX at XXXX XXXX address and another home we own outright. We had to put both houses in our own names because of homestead laws not allowing one to have two and if on all homes we be limited to one homestead vs each having our own, I attended and graduated from XXXX XXXX XXXX and XXXX XXXX also part of XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I build computers and other things from home and as far as I know should have no problems on credit report when I ask why there seems to be a issue and credit score drops to know how to fix it never get a response that I can make since out of. Me and mom 's accounts have dropped closer to zeroing out and shared accounts because of past credit report mistakes and my accounting knowledge since they keep knocking me for help my mom and being on her account so I can help her since she is XXXX and limited on knowing how to work internet. As far as I know I owe nothing as far as anything not paid on time and did pay off my house in 7 years vs. the full 11 year loan both car loans were paid off early also, just confused why they keep lately taking points off my score since it did a while back seem to be get fixed and some issues or mistakes were are suppose to come off this month but due to double checks or checks not approved by me a few months but they were there when my score improved and see no reason why it dropped again. I can not find out why, I had grandparents past house at XXXX XXXX XXXX XXXX XXXX and other house XXXX XXXX XXXX XXXX, have nothing in collections and if there were any reports there wrong but did not see any issues and pay on time and accounts share with mom have been reduced quite a lot but were her accounts and if nothing else would be on both our incomes. I just need to know what or why my accounts dropped recently but can find no answer as found I have to monitor by XXXX XXXX due to past mistakes such as one agency had me living in XXXX, CA. Please what is going on?

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