Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Due to being a victim of identity theft I informed all major credit reporting companies about unauthorized accounts reporting on my credit report. I was told by the credit reporting companies to file a police report and to send it to them so those accounts can come off. Recently I submitted the documentation of the approved police report by XXXX XXXX sheriff to Transunion, XXXX and XXXX. As of today XXXX sent me a letter via email accusing me of submitting fraudulent documentation of my police report. XXXX has been giving me a very hard time even with the proven documents that I am a victim of identity theft. I feel that I am being discriminated and treated unfair without a proper investigation being done. XXXX has assassinated my character due to their false allegations and didn't even try to do an investigation of my case. I'm going through a lot as is and XXXX is responsible for my XXXX XXXX  from this moment on. If this problem is solved, im going to lose my family because this company dont want to do their job correctly. 


XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$1400.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 60 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Subscriber reports dispute resolved - consumer disagrees. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$930.00} {$930.00} {$890.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$30.00} {$30.00} {$0.00} Payment Status : Late 60 Days Late 60 Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXXXXXXXX**** Account Type : Installment Installment Account Type - Detail : Auto Loan - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$25000.00} {$25000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$25000.00} {$25000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$25000.00} {$25000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes- reinvestigation in progress Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXXXXXXXX**** Account Type : Installment Installment Account Type - Detail : Auto Loan - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$25000.00} {$25000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$25000.00} {$25000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$25000.00} {$25000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes- reinvestigation in progress Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$4900.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Purchased by a another lender. 
Unpaid balance reported as a loss by the credit grantor. 
Sold to : XXXX XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1300.00} {$1300.00} {$1300.00} No. of Months ( terms ) : - - - High Credit : {$1300.00} {$1300.00} {$1300.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - XXXX ( Original Creditor : XXXX XXXX XXXX  ) TransUnion XXXX XXXX Account XXXX : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$790.00} {$790.00} No. of Months ( terms ) : - - High Credit : {$790.00} {$790.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1700.00} {$1700.00} No. of Months ( terms ) : - - High Credit : {$1700.00} {$1700.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Credit XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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