Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Original Creditor nor collection agency can properly validation these identity theft accounts ... after 6 months of back and forth with the original creditors the collection agency who are now illegally reporting on debt. None of them has provided the original contract with my signature nor Identification. 
Help Please removed immediately please XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reporting to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1200.00} {$1200.00} {$1200.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1200.00} {$0.00} {$1200.00} Credit Limit : {$1100.00} {$1100.00} {$0.00} Past Due : {$1200.00} {$1200.00} {$1200.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 
Consumer disputes - reinvestigation in progress Charged off account XXXX. Reporting to TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3100.00} {$3100.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Purchased by another lender Purchased by a another lender. 
Account seriously XXXX. XXXX  Reporting to XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3100.00} {$3100.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Purchased by another lender Purchased by a another lender. 
Account seriously XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX reporting to TransUnion Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Paid Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : - High Credit : {$180.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : 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 non-monetary relief