Consumer complaint received 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
this is the letter i wrote to the man who ruined mine and my families life : XXXX XXXX XXXX : I am writing to you because of the damages you have caused my family and I. I am XXXX XX/XX/XXXX and it took the Veteran Affairs about two years to get my XXXX straitened out. During that time I acquired some consumer debt in order to support my wife and XXXX children ; but still never missed a payment and had a XXXX credit score. 
XX/XX/XXXX your company contacted me to enroll in a program to eliminate debt. At that time I had very good positive cash flow and no need for debt settlement of debt consolidation. Your program was SOLD to me by a gentlemen named XXXX XXXX who specifically stated the $ XXXX worth of debt would be reduced by a minimum of XXXX % and the MAXIMUM my credit would be affected is XXXX points. He explained how at the end of the program I would be able to regain my credit lines with my creditors without a problem. I had believed what he was saying ONLY because you are a law firm and typically law firms have integrity because their law licenses are at risk. I did not enroll in your program because of a hardship or any difficulty paying my bills. It was clearly stated in my contract that I had a net income of {$XXXX} a month. I have tried to contact XXXX however recent arrest records from XX/XX/XXXX show " XXXX XXXX, born XX/XX/XXXX, who is charged with causing general danger and illegal possession of XXXX and XXXX. '' Throughout my 5 month long dealing with your company my credit score dropped XXXX points and not 1 penny of the {$1200.00} a month I was paying you went to my creditors. I have had to contact my creditors ( who will no long issue me any credit ) this has caused my XXXX to suffer drastically because of my credit line I had with XXXX consumer credit. 
Your company has jeopardized my brothers ' credit and my wife 's credit because they were both on XXXX debts that your company was supposed to take care of. Below you will see the amount of money this scam has cost my family and I : I 've sat down with a credit analyst and because of the damages my credit has taken it will cost my family over {$500000.00}. See the image below. 
I have spoken with XXXX XXXX who is listed as your XXXX lawyer backing XXXX. He was not working for your company when I enrolled into your program. So I do n't understand how I received so many e-mails from him? I have also spoke with XXXX XXXX who is also listed as an XXXX attorney on your website. However, he decided not to do business with your company because of the illegal activity and operating without a license in XXXX. 
I am waiting to submit my claim to the following organizations until I get a response from you directly. Both XXXX and XXXX Attorney Generals. Office of Attorney regulations in both XXXX and XXXX, District Attorneys and both sates as well as The Wounded Warrior Project who helps XXXX Veterans with all types of things but most importantly have all the media relations and attorneys ready to defend veterans who are victim to these types of scams. 
Your company has violated more then just my financial life and security that I have built for my family but my peace of mind that after XXXX defending the freedoms of this country I should n't have to come back to the United States and fall victim to a company making a living off of others peoples lack of knowledge. Between my lawyers and Private Investigator we have decided that I write you first and demand you cover financial damages your company has caused me before moving forward with any legal suits. 
I will be awaiting your response.

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