Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This year in early XXXX, my wife had received a message from a girl named XXXX XXXX, who is the daughter of my mother 's ex-boyfriend ( XXXX " XXXX '' XXXX ). XXXX  reached out to my wife to tell her about the events that led to my mother receiving her new vehicle ( an orange XXXX XXXX XXXX ), which I did know about her buying but not under the circumstances. XXXX informed my wife that my mother had purchased the vehicle under my identity as the car 's primary owner, which copies of finance paperwork from the dealership confirm. My wife was then directed by XXXX  to speak with her father about the matter. After my wife made contact with XXXX, she gave him my phone number to contact me to tell me directly. After speaking with XXXX, I was filled in on the situation that the car was purchased under my name, with paperwork being signed on XX/XX/XXXX, at XXXX XXXX  in XXXX, Ky. 
Upon hearing this I reached out to my uncle XXXX XXXX, who is a finance manager at a car dealership in XXXX XXXX. I asked him if he could run my credit history and check to see if a loan was taken out. I have a copy of the history report he sent which states that a charge had been applied to my credit history of {$28000.00} on XX/XX/XXXX through XXXX  XXXX XXXX Credit Union. 
On XXXX 's day of this year, my wife and I drove to XXXX to obtain a copy of the finance paperwork from XXXX XXXX XXXX of XXXX, XXXX  and then filed charges against my mother. After waiting for a few hours inside the dealership, I eventually left empty handed with the explanation that their employee over that information was not present for that evening and that they would be able to mail the paperwork to me. I proceed to file charges with XXXX XXXX XXXX of the XXXX police department with the information I did have available at the time. Following up with XXXX XXXX via email on XX/XX/XXXX, he informed me that my case had been handed to a department detective. Shortly following, I reached out to the detective over my case, XXXX XXXX XXXX of the XXXX police department. During our phone conversation, we set up to talk at the station on XX/XX/XXXX. After speaking with the detective, he informed me that he had spoken with the individuals from XXXX XXXX present during the signing of documents, which confirmed that they had physically seen my Driver 's license and confirmed that it was me. After informing me that he could charge me with filing a false police report, he told me that since the documents were signed in XXXX, the case was out of his jurisdiction. 
That evening I sought to do my investigation by contacting XXXX XXXX, XXXX XXXX, and XXXX XXXX ( the individual who supposedly forged my signature under my mother 's guidance ). I recorded all the conversations between these witnesses. XXXX was the new witness who had given me information confirming that my mother reached out to him and offered to pay him {$100.00} to sign my name for some documents and be aware and ok with the situation. She then sent XXXX my personal information, such as my social security number and picture of my driver 's license. XXXX then sent me screenshots of the conversation that he had saved. I suspect my mother had taken a picture of my license while I was at her home attempting to make amends in XXXX of last year so that she could be a part of my sons life who my wife was still XXXX  with. 
I then filed charges with the XXXX XXXX attorney, and under their advice, I went to the dealership again, demanding a copy of the finance paperwork. After waiting for 2 hours, I called the XXXX police department to help the process go through faster hopefully. Shortly after the first XXXX 's arrival, XXXX XXXX, detective XXXX XXXX also showed up, and I received my paperwork. After the District Attorney looked over my case, he concluded that I needed to bring my case to the XXXX Attorney. XXXX XXXX XXXX, who I had spoken to in the office of the XXXX Attorney 's office, suggested I have a XXXX detective investigate because he had received word that XXXX Police suspected my involvement. After I gave my case to Detective XXXX XXXX of the XXXX Police department, who took all the evidence I had gathered then reviewed the signatures on the paperwork to signatures he had asked me to write that day. He could see that the signature I had written wasn't even close to a match with the finance paperwork ones. The detective even noted that in some areas in the finance paperwork, the signatures mistakenly began with the letter " Z '' instead of " W. '' After reviewing the evidence, he concluded, with the XXXX Attorney 's help, that I should proceed with a direct indictment and show the evidence I gathered to a grand jury myself, which brings us all here today. 
The case ended in a plea agreement by XXXX XXXX on XXXX, where she accepted a five-year plea agreement admitting to the fraud. The case number is XXXX in XXXX XXXX XXXX XXXX. All legal documents are filed with XXXX XXXX clerk 's and judges ' offices. XXXX XXXX has yet to be apprehended but has an active warrant for his arrest.

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