Consumer complaint received 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been personally fighting against identity theft for almost 5 years and have had fraud on my credit for almost 10 years now. 
I have successfully disputed almost all fraud accounts on my report but my identity identifiers that all the credit report companies use are STILL mostly about persons that is not me. 9 times out of 10, all the accounts mentioned in the verification questions consumers have to answer to verify their identity are from the fraud accounts that have long been taken off my credit report.

Just recently I learned that my credit report is very likely being mixed up with another person who has the same name, same birth year, and lives in the same state as I. Credit reports and background checks are showing personal information of the other person, cars that I don't own, relatives that aren't mine, medical bills and utilities that aren't mine.

I have submited numerous disputes, notifying credit reporters of the issue with my identity verification questions. The questions may get more accurate for a moment or two, but they always seem to cycle back into fraud accounts and fraud deatils about my life as basis for the questions.

I have never been able to see the official dispute reports since the verification questions will prevent me from loging in and viewing the results. Half the time I can't even start a dispute because either the website wont work on my phone ( my phone is only access to Internet ) or my user account gets blocked since I failed the verifications. I have requested many times for an official dispute history report so I can have it for my records and have the information on the fraudulent accounts and personal data that could help catch the persons using my identity for their gain. I have never received a response.

I have called many times with next to no assistance, on hold for 2+ hours or being transferred over and over untill I get too frustrated and hang up. I have requested fraud alerts on my credit to last 7 years only to find out a temp 6 month alert was placed instead.

Accounts I dispute and have taken off my credit successfully, will suddenly reapear on my credit. Sometimes under a different collection agency or a slightly different original crediter name. All of my student loans are reported twice on my credit and not resolution ever happens when I dispute it since my student loan collection agency is not a big fan of me since I have submitted many complaints of their collections practice. A couple of fraud accounts still on my report will up the debt balance EVERY WEEK I feel as I have received next to no support or real assistance at all with my identity theft problem. Dealing with all the credit report agencies is like pulling teeth.

I just want some actual answers and assistance with this matter. Identity theft has already crippled my credit, finances and education. I just want some help so I can finally start living my own life.

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