Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have received XXXX letters from your TransUnion branch XXXX as above. I have tried to recover my identity after receiving XXXX identity theft report and determined to communicate only with headquarters of corporations. I have received the credit report of thy company prepared on XX/XX/XXXX. Also, I received a letter from above mentioned branch, which asked me to contact another branch addressed XXXX box XXXX, XXXX, PA XXXX with file number XXXX. I am not sure what is the dispute in concern clearly since I am dealing with many issues due to the identity theft. Or it might be relating with the filing to the XXXX XXXX of New Jersey, XXXX. Honestly, I do not know why I have been asked to file. I did because the court had sent me the packet with documents to be filed with fee. I submitted the fee by check. From my viewpoint, almost half a year passed. Once the clerk of this XXXX XXXX contacted by emails. And there were notice of the courts and I tried to open the files on PACER. Honestly, I made the mistake to crate my own account of PACER and ended up not to be able to open the account ( XXXX ) whatever might exist. I have told by email from PACER to call, but then, I was almost traumatizing by the unwanted calls from the summer of last year, XXXX, and still do not like the calls. Therefore, I do not try to recover my account of PACER. The clerk or whoever of the XXXX XXXX and the Attorney of XXXX New Jersey sent me to ask the help/advise of attorney. Due to my ignorance as a XXXX, I did not know the attorney meant lawyer. From the beginning, the clerk of the XXXX XXXX said XXXX XXXX, I strongly believed everything should be done by myself. And almost all correspondence by XXXX to the Attorney of XXXX New Jersey were forwarded back ; therefore, recently I re-forwarded these envelops to the office with new letters in the large envelops. The filing to the XXXX XXXX was XXXX vs. TransUnion. I asked the explanation later why I was filed with your company in vain. From the beginning, I can not understand why only my first name was written on that against XXXX cooperation. Then, I asked somebody, maybe the clerk of the XXXX XXXX why there was no family name. I considered the reason might be that my husband and I had different family names, but legally married in the United States. And this is written in my XXXX registration. Anyway, there is no explanation and I have been dealing with XXXX, XXXX, and Early Warning. 
The issue with your company is why I am asked to purchase the XXXX XXXX. From the beginning, I expressed the question why XXXX suggests it and your company does not. I asked several times in the past. Then, I received the credit report with the comment of not purchased at the XXXX XXXX. Since I already have the question on the meaning of credit reports of the credit companies, which I related for these months, now, your company mentions to buy the credit scores. In the past, I was explained that the XXXX XXXX of the United States is meant to build up by working and paying the debts of credit cards. Now your letter says to purchase ; then, the people can buy the XXXX XXXX. Then, I just ask you the XXXX XXXX of the United States is purchasable by money. Even though I feel no companies of your credit report companies would explain the purpose of this XXXX XXXX system in the United States, I dare to ask what the purpose is to have this system. Or it might be the purchasable because of those who need the XXXX XXXX after the bankrupt or other financial reasons. Anyway, as XXXX victim of identity theft, I disdain that. 
Sincerely,

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