Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Cfpb I have been round and round with XXXX and transunion, over a few accounts XXXX XXXX 2 accounts ( transunion ) XXXX XXXX XXXX  XXXX XXXX ( transunion and XXXX ) There was a ftc police report submitted to all 3 bureaus on the same day with the same information and files and XXXX and XXXX have since removed the first premiere accounts but trans union will not they even went as far as to send me a letter accusing me without actually wording it as such of trying to defraud a creditor I HAVE BEEN ROUND AND ROUND WITH TRANUNION AND XXXX ABOUT XXXX XXXX XXXX XXXXI ACCOUNT EXPLAINING EVERY THING IT WAS ALSO ON RHE FTX POLICE REPORT AND SHOULD HAVE BEEN REMOVED XXXX DELETED SO TRANSUNION AND XXXX SHOULD HAVE ALSO AND I HAVE TOLD THEM THAT THE OTHER BURWAU DELETES AND WAS PRETTY MUCH " SO WHAT '' 1.NONE OF THE THREE AGENCIES NOTIFIED ME OF THEIR RECIPET OF THE FYC POLICE REPORT I HAD TO CALL TO FIND OUT IF THEY HAD RECIEVED IT AND STARTED AN INVESTIGATION OR NOT. WICH IS NOT THE WAY THINGS ARE SUPOSED TO BE HANFLED BY THEM ACCORDING TO MY INTERPRETATION OF THE FCRA CHAPTERS ON DISPUTES AND POLICE REPORTS 2.ACCORDING TO WHAT I UNDERSTAND IN THE FCRA 605 SECTION B WHEN AN FTC POLICE REPORT IS FILED AND RECIEVED IT DAYS THAT A __CREDITREPOTING AGENCY " SHALL '' PLACE A TEMPORARY BLOCK ON THE FILES IN QUESTION FOUNDED OR UNFOUNDED UNTIL THE INVESTIGATION IS COMPLETE ****BOTH XXXX AND TRANSUNION SAID THEY REFUSED TO BLOCK SAID FILES AND THIS WAS PREVIOUS YO ANY SORT OF INVESTIGATION HAD TAKEN PLACE THIS WAS UPON RECEPIT OF THE FTC POLICE REPORT .THAT VIOLATES MY RIGHTS. I FIND IT PRETTY MESSED UP THAT WE HAVE TO PROVE OURSELVS TRUTHFUL OR INNOCENT BUT THESE CREDIT RWPORTING AGENCIES HAVE THE ABILITY TO PICK AND CHOOSE WICH PARTS OF THE FCRA THEY WANT TO OBIDE BY, AND HAVE A NEGLECTFUL NATURE WHEN IT COMES TO YOUR CONCERN FOR YOUR SCORE I HAVE EXPLAINED TO XXXX AND TRANS UNION THAT THERE UNWILLINGNESS TO HONOR THE POLICE REPORT IS ABOUT TO COST MYSELF AND MY FAMILY EVERYTHING THE OWNER OF MY CURRENT ADDRESS IS SELLING THE HOME AND THE NEW BUYER IS GOING TO LIVE IN IT SO I HAD 30 DAYS NOW IM DOWN TO 15 DAYS BUT I KEEP GETTING TURNED DOWN EVERY WHERE BECAUSE OF THEAE FRAUDULANT FILES. IVE EXPLAINED IN 15 DAYS IF THEY DO NOT DO ANYTHING ABOUT THEM MY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ARE GOING TO BE LIVING IN MY TRUCK. 

EACH ONE OF THEM SAYS WELL XXXX LETS DISPUTE IT AGAIN AND AGAIN AND AGAIN I DO NOT HAVE THE LUXURY OF TIME MY FAMILY IS GOING TO BE HOMELESS AND THEY HONESTLY COULD CARE LESS SIR OR MAAM IT HAS GOTTEN SO BAD WITH TRANSUNION THAT I CALLED YESTERDAY AND FINALLY CONCESWS TO ALLOWING THEM TO DISPUTING AGAIN EVEN THOUGH THERE SHOULD BE NO NEED AND THERE JUST SCREWING ME OUT OF TIME I DONT HAVE BUT THEY SAID THEY WERE GOING TO DISPUTE THE FILE ANDTHEY NEVER SUBMITTED IT NOW IF I HADNT CHECKED TO BE SURE THEY DID I WOULD HAVE BEEN WAITING FOR NOTHING THEY HAVE FLUCTUATED MY SCORE TO AS MUCH AS XXXX POINTS IN A DAY WHEN THERE WERE NO NEW DEROGITORY FILES THAT WERE ADDED OR ANY GOOD FILES ADDES SAME FILES JUST THEM CHANGING WORD ON A FILE THERE IS NO WAY A SCORE SHOLD CHANGE XXXX  POINT OVE THE UPDATE OF A FILE THAT WAS ALREADY THERE AND NOT ONLY THAT THEY HAVE THE 3 FILES LISTED AS COLLECTIONS WHEN RHEY ARE ALL DEROGATORY YES BUT THEY ARE CLOSED ACCOUNTS PLEASE HELP ME ASAP OR MY FAMILY WILL BE LIVING IN A TRUCK

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