Consumer complaint received 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
From XX/XX/XXXX-XX/XX/XXXX, I was experiencing some serious fraudulent activity in many aspects of my life. My credit rating was always of great importance. As I am an XXXX XXXX XXXX single mother of XXXX. I always maintain good credit, lived very modestly, worked my 9 moth trial work period in hopes of returning back to work. Saved tax returns, paychecks, fund given to me by friends, my sons paychecks etc. While this was all stolen along with XXXX payments, I recently ordered my credit reports in an attempt to get back on my feet. In addition to my children I now have my aging mother. I received XXXX of the XXXX reports after months or trying to get them. After received, there are several accounts that do not belong to me and that should not be on my report. On Trans Union it is incomprehensible how they could take off ALL of my good credit and replace it with bogus phony accounts. They have incorrect addresses and telephone numbers and there were eve incorrect employers. I have yet to receive XXXX despite it to has been ordered several times in the past few months. Someone is responsible for this and it is not me. I wish they would have enough decency to correct the wrong that has been done. This is just plain out cruel. Between XXXX XXXX XXXX stealing my money right from my checking account of 13 years that has had the same transaction pattern up until XX/XX/XXXX when they started stealing large sums of money, to mortgages I definitely qualified for being denied at the last second and now my credit reports are all reporting negative accounts that do not belong to me. Evidently, I have a copy of previous reports. Whomever is responsible for this and whatever their goal was can please kindly return my status on everything back tot he way it was. I am desperately trying to fight against being XXXX and return back to a productive person in society. Between my XXXX and XXXX issues that have come up due to all of this for so long, it is far more difficult that you can imagine. The credit bureaus need to delete the inaccurate accounts immediately and resubmit a copy. I have my aging mother here as well as children. Whatever these peoples goals are I will never know. All I know is do not deserve to have had everything in my life turned upside down. The government agencies do nothing and it is my belief they are the ones to be held responsible. I was hoping someone there had enough integrity to resolve this. However, it starts at the top and trickles down. There are no whistle blowers, they are to afraid. The OIG does nothing to help, they just try to prove legitimately XXXX people of fraud. Keep in mind I worked for many years prior to being forced to collect XXXX. Perhaps I would be able to become stable if the powers that be would cease messing everything up. My credit is very important to me as where the XXXX payments I never received and no one will even take a look at despite having the hard copy evidence. XXXX XXXX XXXX stole my money and I have statements from XXXX and then statements from XXXX to prove it. I do not file complaints unless I have proof and I do. My credit need to return back to the way it was, the bogus accounts need to please be removed. I need to be able to move forward in hopes of getting myself back together enough to work. If XXXX thought for some reason it was a good idea to target me, it was not. I was one that was seriously trying and following the rules. Following the rules got me nothing but sicker. Hopefully we can remedy this. PLEASE RETURN MY CREDIT REPORTS TO THE WAY THEY SHOULD BE. THIS COMPLAINING AND REPORTING AND WRITING LETTERS IS NOT BENEFICIAL TO MY HEALTH. The credit bureaus keep delaying things by claiming they do not have all paperwork from me. I have supplied documents to them literally 7 times. MAKE THE CORRECTIONS

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