Consumer complaint received 2021-11-19
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:
Addressing an Actual Fraud Offense as Far to Suggest the Below from https : XXXX PENAL CODE TITLE XXXX. OFFENSES AGAINST PROPERTY CHAPTER XXXX  FRAUD Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX ( XXXX ) XXXX Have submitted fraud with debt of XXXX. I am not part of the club and I have had nothing to do with them. 

PENAL CODE TITLE XXXX OFFENSES AGAINST PROPERTY CHAPTER XXXX FRAUD OFFENSE ( XXXX  ) XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX {XXXX} Balance updated XX/XX/XXXX XX/XX/XXXX Account type Collection {$XXXX XXXX Payment Info Original balance {$XXXX} Balance {$XXXX Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX XXXX XXXX XXXX XXXX - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX ( XXXX ) XXXX The next fraud is from a unknown source I never did business with them. 


XXXX XXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX  XXXX {XXXX} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I think that XXXX XXXX has fraud and has intended to harm me with the excessive late charges. I am sure I never had a late charge. 


The Offense below I would like to accuse XXXX XXXX for commuting. When I am sure my bills have been accurate. 

Sec. XXXX. FRAUDULENT SECURING OF DOCUMENT EXECUTION. ( a ) A person commits an offense if the person, with the intent to defraud or harm any person : From the PENAL CODE TITLE XXXX  OFFENSES AGAINST PROPERTY CHAPTER XXXX. FRAUD PENAL CODE TITLE XXXX OFFENSES AGAINST PROPERTY CHAPTER XXXX. FRAUD SUBCHAPTER A. GENERAL PROVISIONS The credit servicer said that the charges take up a portion of my credit score. I switched my loan servicer from fafsa or Federal Student Aid. 

My credit score is bad I am really getting into no apartments or houses with such a bad credit score even with a job. My mother is elderly and wont hardly help me. I am really afraid she will die. And I have no other parents to help. I am pretty sure my friends wouldnt help me with it either. 

XXXX XXXX Account Info Tap labels for more details Account number XXXX XXXX XXXXXXXX XXXX is a terrible company I had no late bills and they are pretending I had late payments. I need them to take of late payment remarks because they actually affect my credit score the credit service said. It affects the score quiet some. 


Payment Info Status Paid, was past due XXXX days or more Status date XX/XX/XXXX Past due amount - Original loan amount {XXXX Monthly payment This is a fake loan that I never received from the community college for some reason and I have no late payments at all. 
I would really like to have all the late payment accusations taken down I think its part of a joke when it affects everyones credit score. 

I would also like to make claims and check if my credit accounts with XXXX, XXXX, and XXXX have been compromised and had the credit score personallly adjusted.

As an example I had my credit score drop by XXXX  points from eXXXX website only and not XXXX and XXXX and it didnt owe any bills or get any warnings. I will attach a pdf of the evidence Another offense is that XXXX XXXX offered a false claim this month after I lived there a year and a half ago and had payed all my bills there was no problem when I ended my lease a year and a half ago. I have attached documentation. 

Also from the XXXX credit bureaus XXXX, XXXX, and XXXX. XXXX made a claim that my score went down XXXX points without any false or negative claims.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation