Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is a roofing repair company, after I bought my home its financed with XXXX XXXX weeks later I got hit with Hail it damaged my roof, after my insurance paid this company, they said the extra shingle called bullet proof is not covered, and wanted me to finance with them for about little over {$3900.00} with small % interest, this is back in XXXX of XXXX, and its a installment loan they said, years to come I was A victim of XXXX XXXX personal information breach in XXXX, my credit from XXXX to XXXX in less than 30 days, ( I will tell whom it may concern know why I tell you this at the end ) I had all my acct frozed by creditor, even that I managed pay 85 % of my debt off and few small one couldnt save, and fraud acct just keep showing up, but yet I paid 85 % my acct in full before that my payment history is perfect, and this company I never miss a payment, always on time and I have the pay history printed with XXXX XXXX, as well my bank XXXX direct payment each month, I sold my home, my asset to get money and pay off those acct that the creditor closed, and I paid off my home with the selling fund, and I saved half to takecare my XXXX kids and my wife plus my Mom, I was her care giver for 11 years before I lost her to XXXX, more XXXX  and deeper XXXX and the lost of my mom its very hard, mentally and physically, but still made my bills on time, plus dealing with credit Bureaus, XXXX send me doc and reason about my identity breach they did, and that is pretty much all they did, no help from them even today, where is my protection? As well I submit the XXXX breach to my credit card company and my XXXX XXXX, because I was XXXX credit score and got all premium checking, 1.9 % rate on credit cards, 3.9 % on loans and all that should have {>= $1,000,000} identity protection and fraud, like XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, they all advertised the benefit to have the premiums acct and credit card, thats why I got them, even this Roffing company too!! But not one company helped me to use the benefit of premium accounts, those company says someone from our credit department and fraud team will reach out!! Weeks, month, years gone, I still made my payment on time, not one company reached out, finally I took all I can about my breach, every time I rebuild my score up close to 680, another fraud reporting shows up, myself I disputed over 20 items some item more than twice, and I was in deep XXXX also mentally drained by the credit bureaus and those acct, but I still pay my bills on time, cant get a loan because my score sucks, every derogatory acct that shows up drop my score, every time I dispute and win the bureau remove the negative but refuse to recover my credit scorXXXX, XXXX ruined my life, sold my home and everything I could sell and working 70 hours a week for my family it kept us head above water, Iam physically injured as well mentally, but my family keep me going, so in XXXX XXXX I couldnt deal with the harassment fraud collection calls and every time I removed a fraud report acct I had to start from bottom again, like the XXXX XXXX XXXX XXXX false report a line of credit that was put on incase I over draw my checking for over draw protection in amount Of {$2000.00} line of credit, I never used it didnt have to, but when they closed all my credit cards and loan I had with them, some how this line of credit shows a balance of {$2000.00}? I dispute it and they remove it but add another negative report, same acct now show a late fees {$210.00} I think with XXXX balance used? So I dispute it again and they not only refuse to remove it but added a 3 rd report it shows {$2200.00} and with no not 1 payment history because I did not use it, I went to XXXX XXXX XXXX XXXX and ask them to provide any paid ACH or check on that fraud acct, I ask for any report on that line of credit any!! They couldnt because its fraud what they did, it took me 6 visit and tons of phone call for them to finally said that acct was mistaken to a personal loan acct, some how it crossed or merged by human error, and the {$2000.00} personal loan was paid years back but they accidentally reopened, all the damaged that credit union did on me is nightmare, and its like OH Sorry mistake was made, our credit department will submit the right info wait 30 to 40 days to up date they said!! Well all that fraud reported fake acct us still on my credit, only thing they did was on 1 of that shows XXXX balance no payment history but has derogatory mark on it because they reported XXXX late payment only on the whole payment history, XXXX nd report same acct shows high balance {$2200.00} paid as agreed XXXX late but went to charge off?? The 3rd fraud report has XXXX balance with every thing good but has that balance!! So I give up, I want to know WHERE IS MY BREACH SUPPORT??? Same thing happened with XXXX XXXX false report and few other negative acct on my report as closed derogatory acct!! But back to XXXX XXXX, that installment is nearly paid off, on time payment, but everything around me just too much because the breach nearly broke me, my family!! So I talk to attorney and he advise me file XXXX XXXX, it will pay back the real acct I still was paying and block the dark web fraud acct to be in my credit, I filed XXXX only has those fraud reporting only!! But in XXXX XXXX XXXX had to put all acct in it the rules, when I did and reach out to my acct company to tell them, this XXXXoofing company  XXXX XXXX transfer me to 3 level up I think it was the owner, small company, she said, she dont care about the XXXX, she will keep the XXXX each month from my bank until its paid! And if I dont pay her in full, she said she can come after my wife for any balance!! That should be illegal I told her, but she said no it totally legal!! So while in XXXX XXXX, trustee send them payment each month, and they ACH my bank every month with regular payment, I told them is so illegal because now not only its paid off but they took Bankruptcy Trustee payment and my back payment, she refuse to refund the extra she took, but she fraudulently planed and reported on my credit report late each month with no payment received, so my report shows nearly 30 payment late from 30 to 60 to 90 than 120 strait on in 2 and a half years time, luckily I print a full statement from my online acct with XXXX XXXX site, it shows perfect payment history for many years and back by my bank recorded on XXXX each month, they fraudulent report late so the court or who ever look into will say I never made a payment after XXXX!! But they did not know I have the statement of payment from their site, worse they reported serious delinquent payment and send it to charge off in the XXXX under Mortgage Loan not installment loan, so I disputed it 3 times now it removed to installment loan in XXXX but still shows as Mortgage loan on XXXX, it dropped my Mortgage XXXX XXXX to low XXXX and when I told the credit bureaus on that, not only they didnt fix it but the Bureaus removed my great paying history Mortgage history, XXXX XXXX is no where on any credit bureau, gone but what is on it is the fraud report a installment loan I made perfect payment on report by XXXX XXXX as a multiple late payment as well charge off my my mortgage score!! My last dispute few months back now shows paid as agreed 0 late payment but a {$2600.00} open balance and on the report itself shows 0 balance and still has derogatory on the acct in mortgage loan, in the whole process forgot to mention XXXX XXXX submitted deceased to XXXX so XXXX think I am deceased and would not investigate that account because what XXXX XXXX did take money from me from XX/XX/XXXX to the day I caught them which was in XX/XX/XXXX and XXXX wiped away all my personal information as deceased from XX/XX/XXXX until I had to hire my attorney to prove Iam not dead, it was from the worse in my Iife and added whats worse than a worse 3 years of my life, XXXX to XXXX, I was breached by XXXX 3 times and report deceased and cant even get a loan to buy a pencil, All because people just dont care. XXXX breach my information without even admitting or apology but they sent me a few emails about your personal information has been breached and thats all they did and company like XXXX XXXX willing to fraud the system, commit a crime just to steal 3 years of my hard earned money to benefit them. And what theyve done, reporting me as deceased, it was planted, intentional reporting fraud just to gain money. In the process, physically and mentally injured me and almost broke my family apart. To whom it may concern, what they did to me its worse than murder. I have all the credit reports all the disputes all the statements to prove it, Iam asking for someone or some firm to bring me justice because the worse crime has been done to me and my family worse than death, a nightmare I cant seem to wake up, as US Citizen, a foreign made company from Saudi area that is the owner of XXXX XXXX XXXX XXXX XXXX made fraud and criminally hurting my family, and XXXX XXXX XXXX XXXX and few other just really dont care what impact it will be hurting people by the careless way they handle our ( people ) hard working pay bills on time to be a responsible human whole life ruined by them, Iam also sending this true statement to News and media and looking to suit those done me criminally damage my everything, thank you please help! XXXX XXXX XXXX XXXX or XXXX, thank you.

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