Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX original creditor XXXX XXXX XXXX reporting {$8100.00} collections on my report as of XX/XX/XXXX which is absolutely incorrect and I emailed the Assistant and Management asking them where the money went that they accepted on my behalf after I moved out from Texas Rent Relief Funds as well as charity check from my church paid to XXXX  XXXX is all missing. I do not owe anything to them they were overpaid by almost {$3000.00} from Texas Rental Relief this is truly detrimental to my life and my XXXX young children we cant even find a place to live because they falsely put this on my credit report. I was told multiple times I would get an email verifying everything and would send me a complete breakdown of everything that was charged for and I never received it. I have been patient and I can not wait anymore when my children and I are denied a place to live because of this false illegal reporting. 

XXXX XXXX XXXX original creditor XXXX XXXX with a total of {$1800.00} first reported XX/XX/XXXX was disputed multiple times and not once was I ever sent any verification showing the breakdown of charges. I extended beyond my lease paying month to month giving the proper 30 day notice before moving out I was given a landlord letter of recommendation because I was a great tenant, the apartment was the last one in the entire building that was not updated with all hardwood flooring when I was looking to move into the apartment in XXXX  of XXXX, I did a walk through and I was okay with keeping the carpet as I had small children and it was agreed upon and in the lease that I would not have to shampoo the carpets upon move out because they would be tearing it out and renovating. I did not receive my deposit back, my walkthrough upon move out there was nothing mentioned of anything wrong. I have kids I just assume never getting deposits back, but to be charged for who knows what when the landlord and myself marked off all good to go. I want to see exactly what I was charged for, I have reached out personally via phone, as well as disputed many times and still have yet to see my charges, with that debt it looks like they made me pay for the renovations. 

XXXX XXXX original creditor XXXX XXXX with a debt reporting of {$780.00} with a report date of XX/XX/XXXX has been disputed multiple times, my ex husband paid this debt in FULL through the original creditor per split debts court ordered. XXXX XXXX removed the debt and a year later showed back up on my report under a debt collection agency. When I call and try to get answers after my disputes get denied over and over they tell me they can not find me in their system, yet here we are 6 years in and I still cant get it removed off my report and nobody has my information so it needs to be removed asap. 

XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX  debt collection {$240.00} open date of XX/XX/XXXX. I moved from the address that I had this electric provider in XX/XX/XXXX and closed the account out of my name which also they held a {$200.00} deposit I did not get back. The owner of the home I rented turned the electric back on using my name and information for an entire year and half. I requested information on the charges with dates and was verbally told over the phone the statements were in my name until XX/XX/XXXX. I lived in a totally different city using XXXX XXXX XXXX  XXXX and left no remaining balance. I need to see written proof that this charge accured between XXXX  XXXX-XXXX  XXXX. I have not received anything still after many attempts. 

XXXX XXXX XXXX original creditor XXXX XXXX with debt collection of {$640.00} should have never been sent to a debt collection agency. I settled this debt with XXXX XXXX for a lesser amount and Creditor agreed to delete once I paid. The debt was deleted in XX/XX/XXXX and came back under a collection agency two months later. XXXX XXXX advised me that they no longer have my information and I need to speak with XXXX XXXX, but they do not provide me any documentation that XXXX XXXX assured me they handed all over to the new collector. I need all the documentation and have this deleted back off of my report for good. 


I have personally had to sit on the sidelines for awhile now disputing the maximum amount online and get no answers just denial stating the debt is accurate. Calling and talking person to person does not work either and this is ruining my reputation and my family and I means of living. This is absolutely the most frustrating unfair unjust situation where we as consumers have no control or say in reporting that is absolutely false.