Consumer complaint received 2017-08-07
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.

Complaint:
I am a victim of identity theft. I sent in certified letters along with a police report backing my claim, I called in, notifying both XXXX XXXX XXXX & TransUnion of this situation. Once again I did not attend any colleges or universities after high school but just one time where I took out 1 loan and that was in XX/XX/XXXX where I took out a short term loan for {$1800.00}. No other loans on the account belong to me. The accounts we 're removed and placed back on my TransUnion credit report damaging my credit once again. On XX/XX/XXXX I contacted TransUnion and spoke to American agent XXXX XXXX, and I explained my situation, i told her I am a fraud victim and my identity has been stolen and used. I went and explain that just a few months back I contacted both XXXX XXXX XXXX and TransUnion by mail certified sent over a police report backing my claim that I am not liable for the fraudulent student loan accounts but only one which I stated the amount and date. XXXX XXXX repeated that the accounts we 're removed on XX/XX/XXXX and placed back on my TransUnion credit report XX/XX/XXXX. In between XX/XX/XXXX to XX/XX/XXXX is a total of 2 months. I was told to send documents in and it 's been an ongoing situation for more than a year battling this situation. So for 2 months in between XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX did n't report any accounts then XX/XX/XXXX decided to report falsely errored fraudulent accounts back on to my credit report? I know my rights and under the FCRA several laws are being broken at this time. I contacted XXXX XXXX XXXX and there we 're no documents showing my signature that I personally signed and if a signature was used it 's a bogus signature. TransUnion ca n't verbally verify that any account by XXXX XXXX XXXX belongs to me. By law XXXX XXXX XXXX nor any company will ever send out any documents verifying in papers that an account belongs to me. Both companies broke the law and I am leaning towards filing a civil lawsuit in less than a week. If TransUnion or XXXX XXXX XXXX continues to place fraudulent errored accounts, lncluding unauthorized inquiries on my credit report I will be seeking damages of more than {$10000.00} at the time of trial. I will be sending attached photos of the inquiries, the errored accounts as well. I am drained, I have now falling into XXXX where this situation has caused serious damage to my health. If this situation is n't cleared up by the ending of the week both XXXX XXXX XXXX & TransUnion will be receiving civil suit documents soon. This is n't a threat, I must take legal actions to protect my identit, my rights, and all of my property and assets. I refuse to sit around 30 days for an investigation. It 's self explanatory theirs no reason to investigate something that was already fixed and illegally placed back on to my credit report without any legal verifications or documents. My credit report was damaged by both companies due to the fact of greed and illegal practice. I thank you and appreciate your time. Thank You XXXX XXXX TransUnion File # XXXX TransUnion accounts to remain is XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1800.00}. Remove all other unauthorized accounts and inquiries XXXX  unauthorized inquiries on credit report

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