Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
First i want to say that Transunion still has not resolved the Authorized user account that is showing on my credit report as XXXX XXXX XXXX XXXX for {$6000.00} This is a fraudulent account, that i never authorized to be on my credit nor to be an authorized user. I want this removed and all Accounts XXXX XXXX XXXX XXXX has listed on my report. Next they are reporting that the XXXX Vehicle loan is owing $ XXXX XXXX dollars. THIS IS DEFINITELY false, and transunion is reporting this balance false knowingly. Also this same account they put remarks on there that its a " Repossession Redeemed '' This is false also as the car has never been redeemed. You also added 3 more late payments for XXXX, XX/XX/2018 this is false these months were current. The balance on this account is {$18000.00} not XXXX XXXX this is false and you continue to report the information knowing that it is false. This is against FCRA rules. I want this updated as it is damaging my credit. I want the Fraudulent accounts removed listed, I want the FTC report reviewed i am attaching and i want the Inquiries removed, I want the Fraudulent XXXX   account removed, i want the Auto loan updated. No more damage should come to my credit due to these invalid accounts. 

Transunion will not allow me to submit another dispute, and at the time of their response they advised me they were researching this issue further. During this time, the accounts that were reporting invalid. XXXX XXXX XXXX XXXX, Two Cards one that shows own {$15000.00} that was opened unauthorized not in my name. Another is for {$10000.00}. These are not my account 's i have submitted identity theft to the company and i want these cards blocked from my credit file. Also i see that XXXX XXXX is showing an account for an authorized user that is owing {$6000.00} This is not my account. I did not get added to this account by anyone i know. The account was opened fraudulently. XXXX XXXX did admit to this, i asked to be removed as per their rules and card agreement you can be removed at any time if unauthorized. Yet they still don't remove me and i don't want this showing on my credit file as i did not authorize this account. Secondly i have seen two collection accounts re appear on my credit once again, XXXX XXXX XXXX for {$200.00} which Transunion stated was not on my report but it is still on my transunion report, being reported by XXXX XXXX XXXX. This is not my account and i have no knowledge of this account. which is not my account and shouldn't be on my credit file as i have no knowledge of this account. I am going to attach a identity theft report. I want all of these accounts removed and blocked from my credit file immediately. Another Account is XXXX XXXX XXXX. I paid this account off over 6 months ago. TransUnion allowed XXXX 's to close this account, then 3 months later reopen the account after it was paid off and show new late payments for more than what the original amount was, i never signed any new contract with XXXX never allowed them to open another account so this new account being open is fraudulent i want it removed. They finally removed it three months ago after filing constant complaints against their practices since they agreed to remove the late charges and never did, and also agreed to Match the payments which they never did. They finally showed it paid off. Then 3 months later the account reappears, and all the sudden says opened again for the same amount owed then 3 more late payments are added. THIS ACCOUNT WAS PAID OFF MONTHS AGO, I have Receipts for these. Lastly there are several inquiries that were not from me these are fraudulent inquiries and i will list them below please investigate this. XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, That still have not been removed Also XXXX  XXXX, XXXX XXXX. Please remove these.

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 non-monetary relief