Consumer complaint received 2015-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
To Whom It May Concern : XXXX XXXX, XXXX TU TRANSUNION PLUS XXXX XXXX. XXXX XXXX XXXX has fraudulently posted XXXX charges of {$29.00} each to my Tennessee XXXX XXXX credit union checking account using my XXXX debit card over a period of 19 months XXXX XXXX XXXX through XXXX XXXX XXXX for a total loss to me of {$560.00}. 

Background : I filed for bankruptcy in XXXX. I will not come out from under the bankruptcy cloud till XXXX XXXX. Tennessee XXXX XXXX XXXX XXXX got a credit report on me in the spring of XXXX. At that time, I was told that I not only would not qualify for a mortgage, but that there was no point in buying any credit reports till after XXXX XXXX. 

That means there was certainly no reason to buy a Tans Union credit report every month for 19 months, especially considering that everybody knows that one 's credit score goes down every time that you buy a credit report. 

Not only did I never give my debit card number to Trans Union, I never received any of the reports that I supposedly bought. Furthermore, the attached Trans Union Plus email of XXXX XXXX, XXXX, says that the last update of my score was on XXXX XXXX, XXXX. Therefore, at least XXXX department within Trans Union knows that I have not been buying Trans Union credit reports every month. 

My debit card was cancelled on XXXX XXXX, XXXX, the same day as I reported the suspected fraud to both the Tennessee XXXX XXXX Credit Union ( case # : XXXX ) and the XXXX, TN Police ( complaint # XXXX ), which is being investigated by XXXX Police Det. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. 

The attached spread sheet lists the fraudulent charges and their dates for Trans Union and other credit reporting companies. 

Attached to Section B : Suspicious transaction Information Date Amount Merchant Name & Location Reference # XXXX Fee $ XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX/XXXX/XXXX {$29.00} TU XXXX P XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION XXXX XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} CREDITREPORTSXXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX/XXXX/XXXX {$29.00} CREDITREPORTXXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} OTL *NATIONALCREDITR XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} CREDITREPORTXXXX-XXXX XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} CREDITREPORTXXXX-XXXX XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$29.00} TU *TRANSUNION P

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief