Consumer complaint received 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing this on behalf of my wife of 55 years XXXX XXXX. 
Sometime in XXXX my wife saw some woman, XXXX XXXX XXXX XXXX, in XXXX, AZ who claims to be a physician. 
My wife has problems with hearing so I always go with her. We clearly and repeatedly stated that that we were there for the XXXX which XXXX pays in full. 
We also asked for XXXX. The woman said XXXX did not pay for that, we had to pay ourselves. We know to day that this is a lie, XXXX pays for that. My wife had XXXX XXXX, I was asked and paid {$25.00} for each. We have the receipts. The woman was also paid in full by XXXX. 

Fifteen months later, XX/XX/XXXX, we received a letter from a " XXXX '' in XXXX, AZ demanding {$88.00} for XXXX XXXX XXXX XXXX and {$75.00} for himself. 
I went to that woman 's place and disputed that. She said I only needed pay {$88.00} to her. 
I left. Many months later, we received a letter from that woman claiming that my wife owed her {$160.00}. We ignored it. I reported the woman to the FTC and her partner in crime also to the FBI and FTC. I addition, I reported the woman to the Inspector General 's Office in the Federal Dept. of Health & Human Services. 

Five days ago, we had a look at our credit report. It says there that the " XXXX XXXX XXXX '' has posted in my wife 's credit report that she owned him {$160.00} and that she had paid. My wife has never owed money to that woman nor to that " XXXX '' and never ever paid any money to them. They can not prove that unless they have forged my wife signature in which case they will go to jail. That woman, XXXX XXXX XXXX, may have my wife 's signature, from XX/XX/XXXX. 
Please note, they posted that in my wife 's credit report sometime since XX/XX/XXXX as we have a credit report from this Month which does not contain that entry. 
We able and willing to repeat the above in a court of law, under oath. 

XXXX XXXX XXXX from the XXXX retrieved my wife 's credit report on XX/XX/XXXX. 
The report contains only XXXX entry : XXXX {$160.00} PAID COLLECTION XXXX XXXX/TU XXXX XXXX XXXX explained to me that " XXXX '' means " XXXX '' and " TU '' means " Transunion '. As I do not talk with XXXX because they broke the law two years ago, I submitted the complain against Transunion. I do not understand how my complain reached XXXX. 

Now, there are XXXX possible logical explanations for that : either XXXX lied to you or, XXXX XXXX XXXX lied to me or I lied to you. 
I have no reason to lie to you, I am only trying to restore my and my wife 's integrity. 
XXXX XXXX XXXX had no reason to lie to me, he tried to do business with me and because of the fraudulent entries in our records ( XXXX of which are anonymous ) he withdrew the business offer. 
For XXXX, please ask them. 

Before I submitted my complain with you, I wrote a letter to that " XXXX XXXX XXXX '' in an attempt to convince him to delete his fraudulent entry from my wife 's credit report. The letter was returned by the US Posta Service as " undeliverable ''. I have it unopened and available upon request. I sent this letter to the one of the addresses posted by the " XXXX XXXX '' with XXXX and Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The second address is : XXXX XXXX XXXX XXXX XXXX AZ XXXX Although all humans make mistakes I do not believe that the mail carrier, an employee of the best postal service of the world today, make a mistake. 
I rather believe that the " XXXX XXXX XXXX '' has arranged with the US Postal Service for all mail addressed to him to be returned as

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