Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have initiated an investigation into a fraudulent student loan taken out under my name and have given XXXX XXXX enough information as well as new information to come to the obvious conclusion that this loan was taken out without my knowledge or consent ; that the body of the loan belonged to my late father XXXX XXXX. I did defer the loan more than once and contacted an attorney to devise a course of action. A letter was sent by XXXX XXXX ( who is a Elder Law/Estate Attorney in RI and has worked on my XXXX  father 's estate and under the advice of the Executor XXXX XXXX ) that this loan was taken out without my knowledge. In good faith, I did pay some of the loan because I was advised by said attorney to do so. XXXX XXXX ONLY wrote one letter and made one phone call to the XXXX XXXX Loan office, in which they told him that because the name matches the borrower, then the loan belonged to me. XXXX XXXX has been released. My mother ( XXXX XXXX ) and I called the XXXX XXXX office. The representatives stated that they could no longer speak to me because I had representation and gave me a phone number for said attorney that does n't exist. ( XXXX ) I filed a complaint with the FTC, the Department of Education and the State Police because my Identity was stolen by my father and documents were falsified to obtain money to pay for my education. Furthermore, I have also been referenced as a mortgage holder by the Law Firm XXXX XXXX ( now know as XXXX XXXX ) being addressed to The Spouse of XXXX XXXX ''. This letter was in reference to the foreclosure of the property ( my former home ) XXXX XXXX XXXX, XXXX RI, which I have no legal link. However, I was referenced on the XXXX XXXX loan as being married under my information and that any additional income was from my spouse. I am not married and never have been married. The additional income is in reference to my XXXX  fathers wife XXXX XXXX XXXX and again, she is also the Executor of his estate. There is no other link to my being referenced as " married '' but in the body of the XXXX XXXX loan. 

Pay stubs have been submitted showing and will prove that I never worked at XXXX XXXX in XXXX, and never made {$100000.00}. In addition I will enclosed proof that my late father worked for XXXX XXXX and never worked for a company listed as XXXX XXXX. My father referenced myself as being married and not he. Also enclosed was a letter from XXXX XXXX ( my Aunt ) which states that she also never knew about this loan and was listed in the loan as a reference. 

I was informed from a XXXX XXXX XXXX representative, XXXX , that the burden of proof that I didnt know was on me. However, considering that this document was obviously falsified ( which is a crime ) and that XXXX XXXX approved a loan that was obviously false leads me to believe that the burden falls on XXXX XXXX to prove that I did know about where the funds for my education came from. That XXXX XXXX approved on their own an obvious illegal document. My late father XXXX XXXX took care of the finances and so did his wife XXXX XXXX XXXX because she co-signed a loan from XXXX XXXX. I was told before my father XXXX  that I was responsible for ONLY the payment on the last semester of my time at XXXX College and one other loan which XXXX XXXX co signed and I have done so. 

Based on my investigation, I have advised XXXX XXXX that this loan was applied for by my late father, XXXX XXXX XXXX and because of XXXX XXXX XXXX 's rules he put me down as the borrower, there was no other option. This loan was obviously his. At this point in time, XXXX XXXX has failed to filed a claim against my late father 's estate ( which is still open ), they also insisted after the thirty day time frame ( when we called again ) that a letter was sent to the XXXX XXXX XXXX  XXXX XXXX of RI regarding the response to our opposition. In the body of the original document sent, we stated that the attorney was released. I have yet to get a confirmation that that was the case because the attorney refuses to acknowledge that he received the letter. 

My credit score has been adversely effected after I spoke to the XXXX XXXX representatives and I was told that a freeze was to occur until the investigation was concluded. They keep emailing me stating that I 'm missing payments. All three credit bureau have been notified of the situation ( and will be notified again ). XXXX XXXX received an email from one or more reporting agencies that the stated loan is not mine. As I have stated before, I have sent XXXX XXXX additional documents to prove this to be the case. 

In conclusion, I need XXXX XXXX to admit negligence, that they approved a fraudulent and illegal document willingly, that they reverse any disparing marks on my credit reports, that they acknowledge that although the money went to my education, the true owner was my late father ( he insisted that I be kept out of the details of my education 's funding ) and because he XXXX, it should be forgiven. I am also insisting that monies sent to XXXX XXXX be refunded and that they file for damages against the estate of XXXX XXXX through the Executor. I can not be held accountable for the actions of my XXXX father.

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