Consumer complaint received 2019-08-28
Company: Transfinancial Companies, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I love the service given to me and appreciate it greatly, however, I think there is very unfair creditors that posted I owe medical bills and a telephone bill that been there for some years and I never knew they existed. The companies say they informed me but I gave them my XXXX info at the time there and was led to believe that it was all taken care of. My parents witness that I never received a letter, email, or call to let me know of the debt and I may be subject to it be filed to my credit report. I believe they supposed to warn me about potential harm to my credit before just posting it and let it sit there for some years before I noticed and by then its too late, my report is ruined, I am forced to move in with my parents because I can not get a loan or credit card even a vehicle all because of these discrepancies that I never knew about other wise I would have taken care of it. I have no vehicle, Im a XXXX XXXX veteran and suffer XXXX, XXXX, XXXX XXXX and XXXX XXXX, XXXX, and more on 15 meds three times a day. I am hospitalized regularly. I see a XXXX  and my doctors monthly and unable to leave our home much less work. I havent worked in years and have no money anyway but perhaps Id be able to establish credit, get my own home, car to go to the doctors or for emergencies, I am often hungry by the middle of the month with my meager benefits and XXXX $ of Foodstamps. All I am wanting to do is repair my credit, that I had no hand in ruining, and live normally instead of XXXX years old with his elderly mom and dad in a falling down house which rains in and literally falling apart because we cant afford to eat much less fix the home we dont own in the first place. We have nothing and living in poverty and Id like to change that maybe put my parents into a safe comfy home instead of this fire trap that I fell through the floor in recently. That may kill an older person. We been beaten down by numerous hurricanes and can not evacuate when told to, cant travel no money no cards or loan options to get a vehicle and gasoline. I really am uncertain of out near future the rate its going. I come home from the military with a stolen identity and hacked to the point I thought I was losing my mind and XXXX XXXX four times ending me in XXXX XXXX XXXX XXXX   four times for 15 day stretches. I have far more pressing problems without a cure than to be worrying about a bill I never knew about, a bunch. All the hard inquirys were not me doing that Im smarter that that. I know not to constantly get hard inquiries but I had no reason too until life started killing me. It is just unfair and my four lawyers plus XXXX XXXX agrees with me that an XXXX veteran suffering XXXX  from service so that they can ruin my credit. I am not asking for much here I just want to live comfortably and not hungry all the time. Not knowing if well have a roof over our heads tomorrow or where our next meal will come from is not a good feeling and no one should have to feel that kind of pain of helplessness. So many hard inquiries that I never even heard of. Maybe four were mine over the years. Another thing I financed a 60 tv  rent to own, a laptop, and now an air conditioning unit and always on time but not on here. I even pay my phone bill every month and dont use my bank to pay so idk how to get that on my credit report, a little good cant help or hurt I recon. One of the addresses for me is wrong too. Please I just want fair treatment, a fighting chance to show what i am capable of because if I hadnt had all these problems my credit would be spotless 200 % Could yall help us?

Company response to consumer: Closed with explanation