Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Issue : Remove the account XXXX XXXX XXXX XXXX where the source was from XXXX XXXX XXXX XXXX in New York and the lender is Financial. This fraud and never opened by me. It should not even be allowed to be entered on my credit report!!!

To Whom It May Concern, Im a victim of identity theft and I have huge concern with the following the agencies and these issues need to be investigated and closed. First and foremost the following information is being used : -name -social security number - address -date of birth -email address -telephone number -debit card to the same account keeps getting hit I have no idea who is doing this. It all started years ago where someone in Texas used my name to get services at XXXX XXXX. Then someone in XXXX attempted to file for unemployment. Both of these issues were solved. When this occurred I filed a police report, report to the FTC. Then someone else tried with XXXX. 
I also have had my account locked, title lock, life lock, credit theft protection, frozen with all 3 bureaus. I have a password with my bank account. I even have the services with XXXX where they go an remove my personal information from XXXX. I also have a requirement for no online applications to be completed without me being present. 
Here is the common denominator through all of these attempts. People are using my information have been using this information as an attempt to get things which they cant get either due to credit or their information. 
Here is the problem, there is absolutely no reason for anyone to be able to submit an inquiry on my credit report without me unlocking it or unfreezing it for all 3 bureaus. The problem is keeps happening. They are bypassing the credit bureaus and getting through. 
Today, I would like to talk to you about Transunion. First the issue with them is XXXX. I disputed this initially and the account was removed. I have never had XXXX. However, the account ending up reappearing on my credit report by a collection agency called XXXX XXXX XXXX XXXX XXXX I disputed with the collection and agency. I reported them to the XXXX XXXX XXXX and the Collection Agency. In addition to this there was a whole class action lawsuit open about XXXX, fraudulently using peoples personal information in order to get people who could not qualify for the services to qualify. I ended up having to dispute this twice. Why? First and foremost my lock did not block the inquiry. Second, the fact there is a statement on my credit report with all 3 credit bureaus which says that Im a victim of identity theft. The account is frozen and locked. Yet, in still a system that was supposed to work did not work. The account as able to be re-inserted by XXXXXXXX XXXX XXXX XXXX XXXX saying XXXX instead of XXXX. 
The fact of the matter is once the account has been removed and proven to be fraudulent, there should not be any kind of way for it to be reinserted. The fact that it was tells me this is more like an inside job or someone who outside who is working with credit bureau. It seems like way they were able to bypass this and add it back to my credit report with a lock and freeze being on it would be impossible unless it was an insider at the credit bureau. The second loop hole is for it to be inserted with an XXXX, its like the credit bureaus have a gap which is the same gap for someone to bypass a ACH Transaction, when a consumer has requested to revoke authorization for ACH Transaction. For an ACH, all a person has to do is change 1 digit in the amount and it will bypass the authorization being revoked. This is why they recommend you close the account and get a new account.

Well, it seems at the credit bureau this is the same approach possibly because I would think if the account were locked and frozen and the account was removed due to fraud, it should not be allowed to be re-inserted. 
The next issue with Transunion is after the dispute was submitted the second time. XXXX XXXX XXXX stated they closed the account on their end and requested the account to be removed by the credit bureau. Transunion even stated their investigation it would be removed back in XXXX. Here we are in XXXX, where in late XXXX I had to file a complaint with the Consumer Financial Protection Bureau because it has been way more than 60 days and the account had not been removed. 
I submitted the complaint to the consumer financial protection bureau, and Transunion responds to allow them additional time to investigate the matter. Just the other day I received a copy of the credit report from Transunion, stating that I indicated my credit report that some information was in accurate. Attached to that credit report was from Transunion which had something called XXXX XXXX XXXX XXXX where the source was from XXXX XXXX XXXX XXXX in New York. 
Here is the problem that I have with this. I dont have any Magazine Subscriptions, this should not be in my credit report at all!! 
If a credit lock is required to prevent any new accounts from being entered, and I dont unlock them or unfreeze them. Then there is no reason for a new account to be allowed to enter anything into my file. Nobody should be allowed to open any new accounts in my name using any of my information online without calling me first and asking me some security questions. 
Here is the concern that I have, when I purchased my XXXX  back in XXXX with XXXX. I unlocked and unfreezed my account. Even though I did, the dealership was doing the financing, and the lenders were alerted of the freeze and I was called right their on the spot. If I unlock or unfreeze it I put it right back on when the transaction is done. I pull my credit report before I get ready to do something, and afterwards. The concern ai have is these attempts where inquiries populating where people are still trying to get an account in my name after its locked or freeze. I did not get a call or anything and I know for a fact the bureau will display that my account is locked and frozen. 
So you tell me how on earth, with a credit lock and freeze or people still able to bypass Transunion? How on earth was the account for XXXX XXXX XXXX XXXX where the source was from XXXX XXXX XXXX XXXX in New York, where the lender is XXXX  XXXX  on my credit file. I Have Never had a subscription which is financed by ANYONE. Yet alone nothing from XXXX XXXX. I have no idea what information was used to Transunion to have this. 
Here is what I want to see happen. I want this account for Club & Subscription Activity where the source was from XXXX XXXX XXXX XXXX in New York, where the lender is XXXX XXXX  on my credit file to be removed effective immediately. I dont want to see another inquiry on my credit file, in collections or from a credit file while it has been locked or frozen. When I get ready to business with them I will call them to notify them in advance and I will let them know what Im applying for, and that I will unlock it and freeze it.

I will wait for them to confirm that it is unlocked and unfrozen before I do anything. This is really frustrating because when I increased my line of credit with XXXX, that is what I had to do. I had to unlock it and unfreeze and call them and verify because XXXX was trying to pull it and it was not unlocked. I stayed at the bank until I get it verified that it was unlocked. However, I look at my credit file and see issues like this from unknown and unauthorized people with information being able to be entered in my credit file, and it has been locked and frozen and not unlocked by me. 
This tells me the service of having your credit file locked and frozen is not effective! Now, please have them remove it.

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