Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is about TransUnion and a collection company pretending to be XXXX, the car manufacturer. Their legal name is XXXX XXXX XXXX XXXX and DBA XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX and others. They have a history of telephone # s right on the TU credit reports, where their New Jersey telephone # is in two addresses, one NJ and the other, a XXXX XXXX XXXX XXXX XXXX, IA. Some reports show an 800 # but most reports going way back have the NJ telephone #. I have disputed this fraudulent company to TransUnion ( TU ) approximately 50 times but TU has never provided any verifying information to me and they never actually investigate the disputes. The real XXXX XXXX XXXX, along with XXXX XXXX XXXX ( XXXX ) closed my account on XX/XX/XXXX. For the first few years the fake XXXX XXXX co reported the same and then they took the closed date off the my credit report for several months, making it look as though the account was still open. Since then they reported my account closed 2 more times on XX/XX/XXXX and XX/XX/XXXX which kicks off late payments XXXX days each time they report it closed. I have the credit reports from TU going back to XXXX but TU doesnt have access to previous credit reports. TU says they do an investigation but they only give my dispute information to the collection agency to verify and of course they say yup its all correct everything is correct. Meanwhile, they dont even have a real XXXX account # or any other account # that I can use to get further information. I have been given XXXX validation that this liability is mine and that they have the legal right to collect it. 

I will be suing both TransUnion and this fraudulent collection company due the many damages I have incurred as a result of there fraudulent actions and TransUnions blatant disregard of the laws surrounding privacy and credit reporting. While my primary complaint is what Ive written so far, I must say that I am 100 % shocked by the fact that NO ONE is actually governing the credit reporting agencies at all! 
Further I am thinking about all of the taxes that I paid to the IRS and to the State of CT, from $ XXXX to $ XXXX per year in my prime and for a good 15-18 years of the same. My tax dollars fund the very same incompetent departments that are supposed to be protecting us from these things, when in fact, these agencies are completely useless. They literally do nothing except to refer consumers to articles on their website. 

I will upload as many documents as this system will allow me up to 10 or 12 docs : TU credit reports showing the collection co reporting different closed account dates ; the first bills I received from XXXX XXXX XXXX XXXX and on the report dated XX/XX/XXXX it shows XXXX XXXX XXXX, which is not affiliated with the real XXXX, and a status of closed, which they reported closed the prior month XX/XX/XXXX. I also uploaded a snapshot from Toyota.com the car manufacturers. You will see that the name of the corporation is, XXXX XXXX XXXX and their subsidiary co that provides car loan and leases is call XXXX XXXX XXXX ( XXXX ). I believe that TransUnion was given the complaint I made to another department which I made in error to the wrong dept so I thought. Anyway, I received 4 pages in one envelope containing 3 letter from TransUnion 1 or 2 days ago. I have attached them. They acknowledge my dispute and due to additional information they received they pushed their reply date out by 15 days. The next letter said that they received my cancellation of the dispute and they have closed it. The 3rd letter said something else I dont remember at this moment. I did not request that they cancel the dispute. I cant even get into my TU account because of technical problems ( as usual ) and when i could get into my account I wasnt able to upload any documents to them. The correct name and address of the fake XXXX XXXX XXXX  is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone # : XXXX Thank you.

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