Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Good evening CFPB, I am writing about the company ( XXXX XXXX ) that has recently placed activity on my TransUnion credit report. They posted 4 active accounts for 3 months. I have disputed this account with Transunion. I told them that I was not aware of having XXXX loans with XXXX XXXX. I have not signed any documentation with XXXX XXXX for a XXXX Loan. This account looks to be more than 10 years old. I am not aware of this account. 
I called the XXXX XXXX fraud department twice ( XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ) they could not locate an account for me during either phone conversation. They mention a third-party company as one of their affiliates who may have created a loan for me. This is fraudulent information. I will be filing a police report for this as I do not have an account with XXXX XXXX. It seems to be identity theft. I have added all four accounts that are on my credit report. It seems deceptive because it was only active on my credit report for 4 months. How could an account that was open in XXXX  close out in XXXX  and others in XXXX? That is not feasible according to the Fair Credit Reporting Agency. I am not sure what is going on with XXXX XXXX and them posting this to my credit report. 

Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXXXXXX  Responsibility Individual Account Account Type Installment Account Loan Type XXXX XXXX Date Updated XX/XX/XXXXXXXX  Payment Received {$0.00} Last Payment Made XX/XX/XXXXXXXX  High Balance {$2600.00} Past Due {$190.00} Pay Status >Account 90 Days Past Due Date< Terms {$47.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXXXXXX  Remarks PAYMENT DEFERRED _______________________________________________________ Account Information Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXXXXXX  Responsibility Individual Account Account Type Installment Account Loan Type XXXX XXXX Date Updated XX/XX/XXXXXXXX  Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$4000.00} Past Due {$500.00} Pay Status >Account 90 Days Past Due Date< Terms {$120.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXXXXXX  Remarks PAYMENT DEFERRED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$3500.00} Past Due {$250.00} Pay Status >Account 90 Days Past Due Date< Terms {$63.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XXXX/XXXX Remarks PAYMENT DEFERRED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXXXXXX  Responsibility Individual Account Account Type Installment Account Loan Type XXXX XXXX Date Updated XX/XX/XXXXXXXX  Payment Received {$0.00} Last Payment Made XX/XX/XXXXXXXX  High Balance {$4000.00} Past Due {$470.00} Pay Status >Account 90 Days Past Due Date< Terms {$110.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXXXXXX  Estimated month and year this item will be removed XX/XX/XXXXXXXX  Remarks PAYMENT DEFERRED

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