Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in XXXX XXXX I obtained my free credit reports from XXXX, Transunion & XXXX. However XXXX had a credit freeze on my account. I must advise you that I have not had a credit card since XXXX ( although my husband did ). I relied on our checkbook & bank debit card. So I contacted XXXX  about the credit freeze & was told that because a dentist had fiiled a claim they had to frreeze ny my credit. Eexplained that I had insurance at time of service in XXXX & had proof bod same, so I had no idea why they were filing for a balance due in XXXX XXXX. They removed the freeze but kept trying to sell me their monthly monitoring services, which I declined. My mother. & '' I obtained a refi onherv housevto make it more handicap accessible. However, even though the loan funded bon XX/XX/XXXX I wasn't XXXX to access due to my bank being bought out & their legal dept. was reviewing all POA accounts. I am not only my mother 's only child, I am her guardian ( voluntary ), and the probate ciurtvwaived all annual accountiibgs &, annual reports of the person. I've been a legal assistant in FL from XXXX thru XXXX so when my father. Passed away in XXXX put any name on my mother XXXX XXXX housectobavoid probate ( I'm herclisted beneficiarybon her remaining assets. Between XXXX & XXXX/XXXX my bank noticed suspicious activity & provided me a few # snto call & find out who & what they were charging viz my bank account. Almost symistaneozs I was advised that I had violated some Rule @ XXXX where my husband is doing time. I contacted Up as support who handles the inmates communicateions & advised them that I did no such thing. So I changed my email address & password and while my. Bank account was frozen I went a gitva prepaid Visa. Debit Card from XXXX XXXX to use to put $ $ on my husband 's books. The person who stole my identity ordered credit reports from XXXX, Transunion & XXXX, used the services of XXXX & XXXX website, ordered games thru XXXX & obtained a credit card from XXXX  XXXX XXXX   XXXX. Most of the merchants refunded my bnk account when I explained the situation. But when 2 called Transunion XXXX XXXX I was told it was comp any policy not to issue rrefunds, I said even to the person who is beumibg hurt by the the actiond if others. XXXX even told me I hadcthev service since before our closing. I kept arguingvw/nflylllllll I only jmhagmd the thm. hadvqmmcarpaymenthad. at XXXX where heceascarreared & drooortaruin. XXXX. The fact was ft. XXXX was many retired. XXXX XXXX XXXX XXXX XXXX ). But presidential he IS NIT ". anyway you know about the Russians love of our democracy and never mind, thats forvanothsr day. XXXX   XXXX Transunion gave them my credit reports even though XXXX misspelled my first name with one " n '' instead if of '' two '' Anand when I basked Experin to correct it, I had to prove who I was the real person cuz I. didn't know the PIN. Of course I didnt I wasn't the ones who opened the aacctm I suggested we XXXX security questionn ... XXXX your father 's middle name. I said I would XXXXs mycssecuruy question vbecausecmycfather didn't have acmidddle. Nasme &, I could prove it with copies of hisvbirtth & destgbcrrtificates. I still had to send XXXX XXXX   dentity bbeforebthey would believe me. When I basked fotnrefund gotvsame answeerbascTransunion co policy not to tissue refunds. But XXXXXXXX XXXX XXXX XXXX XXXX the service have said but you have identity btheftvprrotection & I've said notvne me but the person who shoulder to get up off XXXX XXXX See. never XXXX XXXX name of person who opened three account. And he kept trying to sell new something forvanothsr. XXXX XXXX XXXX XXXX XXXX XXXX '' name. XXXX wrong, ,wrong birthrate. Etc. To me they y are accessessoroes XXXXXXXX. XXXX Wednesday doin we XXXX, plus the ties theycchaave witthvFICO etc. XXXX the XXXX XXXX, @ a win wwinbfotvthem.

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 monetary relief