Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I purchased TransUnion Identity Protection years back with 100 % full identity theft restoration services. Yet unfortunately, I've still been hampered by identity theft and stolen event issues on my credit report, which have become significant barriers to moving forward. These identity theft stolen event issues are covered under the identity theft insurance at {$34.00} per month or {$340.00} per year ( plus tax ). Despite this, I find myself grappling with unresolved identity theft issues, compounded by discriminatory practices within the system as identity theft issues have escalated impacting my daily transactions and ability to obtain new credit e.g. my XXXX XXXX  application was recently declined due to an incomplete credit file. They told me to fix the identity theft issues and reapply later. In addition, an emergency ambulatory medical collection was put on my credit report, after my family was targeted and assaulted after leaving a XXXX ; and the driver was able to avoid jail time ( XXXX ) after violating 18 US Code Section 1389 on an honorable XXXX dependents. Years prior, to the injustices in XXXX XXXX XXXX, a driver tried to hit me with a vehicle off XXXX XXXX XXXX XXXX CA - vehicular manslaughter attempt in broad daylight as I was trying to get my mail- the male driver attempted twice to try and hit me with the grey station wagon and I saw a XXXX XXXX  directing him to do so across the street parked at the Bank. I received a weird chain letter ( attached ) as well a RICO/racketeering address fraud letter which I reported to the USPS XXXX XXXX Prior to all of this the identity theft stemmed from when my purse was stolen, at a New York XXXX XXXX XXXX which contributed significantly to identity theft issues. - all of my credit cards, checks, student and military ID, GOES pass, everything was in my purse which was under the passenger side seat of my Hybrid SUV - males got out of a XXXX large XXXX, broke into my vehicle and drove off. XXXX was bold enough to use my XXXX card to purchase himself cigarettes and an expensive watch. I reported the GOES pass theft to XXXX. I filed the XXXX. However these actions which should have resolved my identity theft years ago have been ongoing 2017 to present. My family has been severely harmed by terrorism campaigns, vandalism to real estate, my vehicle vandalized. Attacks to my retail transactions and I have filed numerous FTC complaints. Scammers sending me unwanted threatening text messages. I have been sent highly triggering, disturbing racketeering emails to my XXXX which violate Can-Spam ( XXXX have been received just this month ) and I filed numerous FCC complaints which did not help. I have been sent racketeering emails from hotels. Impersonators have used my information at XXXX, a XXXX company called Wire, I have been sent threatening marketing about death, XXXX, life insurance policies that I never applied for and even someone attempted to get an XXXX apartment in my name. I have also dealt with HIPAA violations at Veteran Affairs which I reported to the OIG at VA, XXXX  accessing my female Veteran medical records. Given these circumstances and my ongoing investment in identity theft insurance, I am requesting the removal of the detrimental identity theft harms from my credit report. I believe I over qualify for restoration, and I request for your urgent attention to rectify this situation. It is concerning that, despite my diligence in protecting my identity and my commitment to addressing these issues through formal channels, I continue to face barriers that undermine my financial stability and overall well-being. The negative impacts of these unresolved matters extend beyond mere credit scores ; and request you to consider the gravity of my sensitive and life threatening situation. The compounded effects of identity theft I have faced over the years, demand a serious approach to restoring my identity and integrity. I seek to have these negative harms removed/deleted and request that you share the corrected and completed file with XXXX and TransUnion to ensure that such injustices do not continue to affect my family in the future. I appreciate your attention to this matter and look forward to your prompt response. Thank you for understanding the significance of my credit report and urgency of the situation.

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 non-monetary relief