Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Date : XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX Subject : TransUnion XXXX XXXX XXXX Case Number XXXX - Credit Restoration To : TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello VP of Transunion XXXX XXXXXXXX XXXX XXXXXXXX XXXX purchased TransUnion XXXX XXXX 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 Bank 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 Veterans 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 XXXX XXXX parked at the Bank. I received a weird chain letter ( attached ) as well a XXXX 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 XXXX XXXX XXXX males got out of a XXXXXXXX XXXX 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 XXXX 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 XXXX, 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 XXXX  in my name. I have also dealt with XXXX violations at Veteran Affairs which I reported to the XXXX at VA, XXXX accessing my XXXX  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 demand the immediate deletion of inaccurate and fraudulent information on my credit report and to stop the ongoing, unauthorized charges related to your Restoration Services. Despite providing you with all necessary documentation over the years and clearly identifying the accounts that are both fraudulent and outdated, you have failed to remove these items from my credit report and are continuing to charge me {$34.00} per month ( or {$340.00} per year ) for services that have not been rendered. 

-- -- -- -- The accounts in question should have been removed under federal law : Fraudulent accounts resulting from identity theft occurred when my purse was stolen. The thief used XXXX XXXX  XXXX XXXX ( BofA ) card to purchase cigarettes and a watch, and XXXX confirmed that the thief was caught on camera at a liquor store. This account should have been deleted from my credit report years ago. I have been back and forth with XXXX XXXX XXXX XXXX XXXX ( XXXX ) as well regarding stolen identity events and I am done with their toxic, deceptive and discriminatory tactics as well. This situation amounts to XXXX practices and harassment. Additionally, XXXX is fully aware that my vehicle was vandalized in a hate-motivated terrorism campaign. Keeping these accounts on my credit report is intentionally obstructing my ability to obtain loan approval and move away from a toxic situation - stuck since XX/XX/XXXX to present with my dependents. The failure to act has led me to conclude that TransUnion is systematically and intentionally preventing me from moving forward, impeding my ability to improve my financial standing. I believe these actions represent not only an unjust violation of the laws of the land but also potentially politically motivated hate and deceptive practices designed to harm my financial well-being. 

Several discrepancies, including fraudulent accounts and outdated negative items, have harmed my creditworthiness; preventing me from obtaining credit - most recently I was denied credit by XXXX XXXX, XXXX and XXXX XXXX. Despite my previous efforts to bring these issues to your attention, these inaccuracies remain unresolved. The continued presence of these items on my report has directly contributed to a credit denials. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my financial well-being. 

I am also requesting the immediate removal of my personal information from all illegal blacklists and fraudulent databases associated with my identity. As a victim of identity theft, my personal data has been misused and included in illegal dark list, hit list, watch list and unauthorized blacklists which have negatively impacting my financial standing and credit, in violation of the Equal Credit Opportunity Act ( XXXX ), which provides for penalties of up to {$25000.00} per violation - I have been violated for years. I am demanding the immediate removal of all inaccurate and fraudulent accounts from my credit report, in compliance with the Fair Credit Reporting Act ( FCRA ) and my rights as a victim of identity theft. Under the FCRA, the penalties include up to {$1000.00} per violation, plus actual damages for any harm caused by the violation, such as denial of credit and emotional distress. Additionally, punitive damages may apply, up to {$500000.00} or 1 % of the companys net worth. Furthermore, accounts older than 7 years, as per the FCRA, should have been deleted but remain. I trust you will act swiftly and in accordance with the law to correct these injustices. I expect the inaccurate items to be deleted from my report immediately. You are taking my money and failing to take any action to resolve these issues. I have been dealing with these discriminatory and deceptive practices for years, and enough is enough.

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