Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is either an internal breach or internal employee fraud. I am a victim of credit fraud 4 times in the past year. First with  XXXX   XXXX   XXXX  , which was deleted and corrected immediately. I called Transunion to gather info on placing an alert etc. I gave my personal information to confirm. Appr ox 90 after the ale rt, I got a fraud inquiry from  XXXX   XXXX   XXXX     XXXX . I called Transunion again to confirm it was fraud and got info to fix it. immediately a day after I called I got another  XXXX   XXXX   XXXX    XXXX   XXXX  during while a 90 day fraud alert was already on file. I also called  XXXX   XXXX   XXXX   and confirmed that they will place a stop on all credit offers inlcuding other companies. Due to my illness and treatment, i was only able to call th is Monay to follo w up on setting up an extended fraud alert by calling Transunion. I gave the rep my personal information to gather steps to correct it. My 90 day alert was placed till  XXXX   XXXX . The same day  I called,  I got an inquiry again from   XXXX   - but  XXXX  this time. I confirmed both companies have outsourced call centers in  XXXX  and  XXXX . But there are too many coincidences and actions that point to  XXXX  and TRANSUNION. THe initial fraud, which is isolated to   XXXX   XXXX   causes consumers to call the credit reporting agencies to begin the process of reporting fraud. After that is done, then you can see a consistancy in the repeated frauds between Transunion and  XXXX   XXXX   XXXX  . The first time after a call, the fraud operator exactly knew when the 90 day alert would be done and ran my credit after through  XXXX . I did not immediately place alert after first fraud so it inclinates that the person was exactly aware of the 90 day placement. When I called in on it to Transunion and placed another 90 day alert, then immediately i got another   XXXX    XXXX  fraud the next day. I called again this monday to transunion and that same da y I got fr aud inquiry from  XXXX   XXXX . Both were pushed through with a 90 day alert active. Everytime I have called Transunion, I experience a fraud inquiry  ; one right after 90 day mark and two push ed with active 90 day alerts. all three fraud inquiries after the intial fraud inquiry are from   XXXX   XXXX   and right after I make a call to the call center to Transunion where they pull up my personal information. The Cal l Center in Tra nsunion is in  XXXX  and the  XXXX  call center is in  XXXX . I dont believe the hiring proces s etc may be as diligent as the U.S., so to have our personal information be easily accessed by foreign contracted companies without the proper adherence and vetting that we are used to in the states leaves U.S. cons umer susceptable to repeated fraud. All fingers point to Transunion and  XXXX  after the first initial fraud is done. It seems that once a consumer calls Transunion and gives permission for the foreign based rep to pull their credit report, suddenly there are inquires from   XXXX    bank that is either timed perfectly between alerts and or pushed with an alert already on there. Please contact me at  XXXX  for dates and further information

Company response to consumer: Closed with explanation