Consumer complaint received 2025-03-03 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 am writing to request an immediate resolution to the ongoing identity theft issues affecting my credit report. For the past XXXX years, I have diligently worked with credit bureaus to correct persistent errors on my report. However, these issues remain unresolved, significantly harming my family 's financial stability and well-being. The inaccuracies are preventing me from securing essential services, such as loans, and continue to hinder my ability to move forward. I was affected by TransUnion identity theft breaches, yet I have received no compensation for the severe harm caused. I purchased TransUnion XXXX XXXX years ago, which included 100 % full identity theft restoration services. Unfortunately, I am still facing issues with identity theft and stolen events on my credit report, which have become significant barriers to progress. These identity theft-related issues are covered under my identity theft insurance at {$34.00} per month or {$340.00} per year ( plus tax ). Despite this, I continue to contend with unresolved identity theft issues. The escalation of identity theft has impacted my daily transactions and my ability to obtain new credit. For example, my applications with XXXX XXXX ( due to illegal internal blacklisting ), XXXX XXXX, and XXXX XXXX  have been declined due to an incomplete credit file. These identity theft issues must be resolved so that I may reapply later. I have unfortunately been a victim of numerous data breaches. In my search for a partner on dating platforms such as XXXX, XXXX, XXXX, and XXXX, my personal data was compromised in breaches, exposing sensitive information to dXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, I have been involved in data breaches with numerous companies, including : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX XXXX XXXX, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and multiple others . It is concerning that, despite my ongoing efforts, identity theft stemming from stolen events has not been rectified. I am still facing these issues on my credit report, which continue to be significant barriers to my life. Additionally, as part of the data breach settlement, I should have received 100 % full restoration services. I have experienced cyberattacks from fraudsters, scammers, and hackers who remotely accessed my children 's gaming systems and laptops, cyberbullying them and harassing them on sensitive topics. In the case of FTC v. XXXX XXXX, we received {$140.00} USD for years of harm. These ongoing identity theft issues have impacted my daily transactions and ability to obtain new credit, resulting in declined applications due to an incomplete credit file. I have been trying to move to a better area for my family, but creditors have advised me to resolve the identity theft issues and reapply later for loans. I have also encountered false reporting through credit, ACH, and other financial channels, with predators using systems for retaliation, targeting, and manipulation. This has evolved into a new form of terrorism, where legal, financial, telecommunications, broadcasting, medical, and technological systems meant for safety and fairness have been abused for malicious purposes. Additionally, my vehicle was vandalized on XX/XX/XXXX, and since then, I have been unable to secure approval for an auto loan. These issues need to be resolved as soon as possible, as my family has been stuck in a toxic situation for far too long. A XXXX I have been waiting for XXXX years was also canceled by hate-driven individuals, violating XXXX  policy XXXX My family 's health, well-being, and happiness are of utmost importance, and these actions are unacceptable. These credit issues need to be resolved urgently, as my family has been suffering from this situation for far too long. I request that you consider the impact this has had and work to address this matter promptly. Furthermore, an emergency ambulatory medical collection was placed on my credit report after my family was targeted and XXXX  in a hate-driven vehicle-ramming incident outside a CXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX and XXXX ). The dangerous XXXX  driver was able to avoid jail time ( XXXX ), despite violating 18 U.S. Code Section 1389 against XXXX XXXX XXXX XXXX  One thing that should never happen is harm to my children or attempts to harm my family. Years earlier, a male driver attempted to hit me with a vehicle off XXXX XXXX XXXX XXXX XXXX, in a broad daylight vehicular ramming attempt while I was retrieving my XXXX mail XXXX The male driver attempted twice, and I saw a XXXX XXXX directing him across the street, parked at the XXXX. I also received a strange chain letter ( attached ) and a racketeering address fraud letter, which I reported to the XXXX XXXX. The identity theft escalated when my purse was stolen at a XXXX XXXXXXXX XXXX party XXXX XXXX XXXX, which contributed significantly to my ongoing identity theft issues. My purse contained all my credit cards, checks, student and XXXX  IDs, a XXXX  pass, and more. Males exited a large XXXX XXXX, broke into my vehicle, and drove off. XXXX of them used my XXXX  card to purchase cigarettes and an expensive watch. I reported the theft of my XXXX  pass to XXXX and filed with XXXX. However, these actions, which should have resolved my identity theft years ago, have been really harmful from XXXX to the present. My family has been severely harmed by terrorism campaigns, vandalism to real estate, automated clearing house false reporting, and attacks on my retail transactions ( e.g., XXXX and XXXX XXXX retail equations ). I've filed numerous FTC complaints, but dangerous individuals continue to send me unwanted, threatening, and illegal solicitations. I have been sent highly triggering, disturbing racketeering emails ( over XXXX received ), violating the Can-Spam Act, and I have filed over XXXX XXXX  complaints with no resolution. I've received racketeering emails from XXXX XXXX and other hotels, and impersonators have used my information on platforms like XXXX and a XXXX company called XXXX. I've even received threatening marketing about death, wills, and life insurance policies that I never applied for. Someone also attempted to rent an XXXX apartment in my name. I've also faced XXXX violations at XXXX XXXX, where individuals accessed my medical records, and I reported this to the XXXX at XXXX. Given these circumstances and my ongoing investment in identity theft insurance, I request the removal of the detrimental dark web listings, harmful blacklists, and spam/phishing lists associated with identity theft impacts on my credit report. I believe I qualify for 100 % full identity restoration, and I urge you to rectify this situation urgently. It is concerning that, despite my diligence in protecting my identity and addressing these issues through formal channels, I continue to face barriers undermining my financial stability and overall well-being. The negative impacts of these unresolved matters extend beyond mere credit scores. Please consider the gravity of my sensitive and life-threatening situation. The compounded effects of identity theft I've faced demand a serious approach to restoring my identity and integrity. I seek to have these negative marks removed and request that you share the corrected file with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX to ensure these severe injustices do not continue to affect my family. I am also a real estate investor, and I use my XXXX  loan from honorable service to buy, hold, and rent out properties. However, every time I use my XXXX  loan to purchase a property, my property is targeted and attacked by hate-motivated individuals. I was terrorized so badly in XXXX that I was forced to sell my XXXX XXXX. I purchased it at {$250000.00}, but just as it was rising in value, the entire community started attacking to push me out- they attacked my children at their school, and eventually, we had to sell at {$320000.00}. A good friend, XXXX XXXX XXXX, was able to help me sell to get out of a toxic situation, however, right after the close of escrow, the property immediately jumped to {$560000.00}. They attacked my investment properties in XXXX and XXXX XXXX as well. There are individuals that just do not want me to own real estate and can't stand to see my family happy. I have owned my real estate in XXXX XXXX, XXXX  since XXXX and have consistently made timely payments. The same terrorism has been happening with the XXXX  and hate-motivated individuals targeting my property. XXXX company I am having an issue with is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX There have been intentional discrepancies in the billing, including being overcharged hundreds of dollars in late fees, which were applied without receiving any late notices or communication from XXXX XXXX XXXX They charged my XXXX card without confirmation as to exactly what the annual XXXX  assessments are and have refused to provide me with written statements for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to confirm what the XXXX dues are to address the incorrect billing issues, and improper handling of my payments when they know I have made several payments in good faith. They have been racially profiling me for years - completely ignorant and disrespectful. There are discrepancies in billing, including significant overcharges in late fees, despite not receiving any late notices or communications. There has been intentional and inconsistent processing of my payments, with multiple instances of payments being made, processed, and then returned with intent to defame my character. XXXX intentionally returned payments to restrict my ability to make payments via credit card due to predatory discriminatory practices and the intentional targeting of my property since XXXX, knowing my property is not for sale. XXXX states they will only accept cashier 's check payments because they know, per XXXX ( their sister company ), that my vehicle was vandalized on XX/XX/XXXX, and I have not been able to travel anywhere since that time. There has been intentional false reporting of XXXX payments and negative marks to XXXX XXXX XXXX  and XXXX XXXX XXXX, which is illegal- they have received all my payments per XXXX card. Their accounting errors, incorrect category codes, overbilling, and false reporting have negatively impacted my credit, finances, and personal information. I also requested numerous times for statements to confirm the XXXX  assessments, and there has been a refusal to provide these written statements. I contacted the XXXX XXXX XXXX XXXX XXXX for assistance, and they stated XXXX has not been a member since XXXX ; they are to remove their logo from their website. They stated XXXX staff are not licensed, and their accounting person in XXXX can not be reached, and XXXX XXXX XXXX XXXX  and XXXX refuse to provide me with written statements to confirm the XXXX  XXXX  XXXX assessments from XXXX to XXXX. I believe these RICO-type predatory actions violate various laws and professional standards, including the Fair Credit Billing Act, HUD Fair Housing Act, XXXX XXXX regulations, and ethical guidelines for community managers. I should be able to use my XXXX  loan after honorable service and invest in real estate like any other XXXX, and what they are doing is highly illegal and unconstitutional and a violation of my rights as an American and XXXX XXXX XXXX Thank you for understanding the urgency and significance of my credit report. I appreciate your attention to this matter and look forward to your prompt response.

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