Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I first confirmed that my identity was being used by an unknown party when I contacted EDD of CA about the COVID benefits for which I had applied through a TWC UI portal into which I uploaded personal information including, but not limited to a copy of my Texas DL and my XXXX tax return only to find that someone had, without my permission and unknown to me in XXXX XXXX CA, requested the benefits mailed to their address at which I have never resided. The EDD representative recommended I call XXXX  to have an undisclosed piece of information removed from my credit report. I reached out to XXXX and am still waiting for them to upload documents faxed on XX/XX/XXXX to complete my request for a credit freeze. 
I then obtained my credit report via XXXX and noticed on p. XXXX of XXXX of the report another address at which I have NEVER resided, namely : XXXX XXXX XXXX XXXX XXXX, TX XXXX I resided at XXXX XXXX XXXX in XXXX, OK XXXX at that time. I had resided in XXXX, TX from XXXX at XXXX XXXX XXXX, which residence was sold in settlement of my divorce from XXXX XXXX. 
Further, I called XXXX XXXX fraud department today, XX/XX/XXXX and spoke with a representative named XXXX. I was concerned additionally concerned about the soft inquiries on my report listed on p. XXXX of XXXX. The representative XXXX tried to end my calls before addressing this concern of mine saying " There were no inquiries. '' When I mentioned specifically the soft inquires and the page number as well as the address, she informed me I would need a report from FTC in order to file a fraud complaint with XXXX. The soft inquiries from XXXX XXXX XXXX on XXXX concerned me because I haven't had a utility bill since I fled my residence in XXXX XXXX, TX due to a domestic XXXX situation. I was, in XXXX of XXXX, applying for housing assistance through the XXXX XXXX XXXX XXXX, so an inquiry from them would have been legitimate ; however, I have no knowledge of which entity actually made the inquiry. The inquiry to XXXX on XX/XX/XXXX coincides with my interaction with XXXX XXXX XXXX department about an issue I was having with my starter. The service crew told me the repair would cost {$1000.00} which I did not have, but expected to be coming from my XXXX XXXXXXXX closure soon. The representative first encouraged me to trade in my car for a new loan, which I refused to do because I've been having trouble obtaining employment since the domestic event I mentioned in XXXX. Next, they offered me a loan for the repair, but I decide to wait for my funds to come through, during which time, I was stranded, living in my vehicle which wouldn't start on a consisted basis while the winter storm of this year rolled through and people drove by me telling me I would freeze to death. I survived and after the storm, my funding came through and I went to XXXX XXXX where I had originally purchased the vehicle, and was told that the repair was covered under warranty and they took care of it at NO CHARGE. The final soft inquiry of concern to me was XXXX XXXX Services on XX/XX/XXXX. I have NO IDEA by WHOM OR WHY such an inquiry would be made, as I am NEITHER on a beach NOR seeking a loan. I have received solicitations from lending agencies I consider to be predatory, and have blocked them and signed up for the national " opt out '' in addition to the attempts I am now making to get a credit freeze and fraud alert placed with each of the credit bureaus My bank was successful in placing a freeze for me with XXXX ; however, I was unable to Identify myself to TransUnion because they were asking for proof of residence, and I have been homeless since XX/XX/XXXX.

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