Consumer complaint received 2024-03-08 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: MI

Complaint narrative:
I became aware of several accounts that were opened fraudulently on my behalf after receiving notification from ny bank that there had been a breach and my info had been compromised. Among these was a secured credit card issued by XXXX XXXX XXXX. Upon realizing this, I contacted the companies that were fraudulent, including XXXX XXXX, to let them know and to close all accounts affiliated with or connected in any way with the fraudulent activity. This included my actual checking account through them. They informed me that they had all been closed at that moment. I then filed a complaint with the FTC for identity theft and disputed all accounts through the credit bureaus. Yesterday, I got an alert that the XXXX XXXX secured card was delinquent and had negatively effected my credit score. I logged into the credit bureaus to verify and filed disputes for account ownership once again. I contacted XXXX XXXX and questioned them about the account and why it was still open and on my credit report. They told me that although they assured me that it would be closed, they didn't close it because I didn't have any of the account information, such as the credit card number, transaction history and cvc number. Obviously, I would not have this information because I do not and have never had this card they speak of, I didn't open the account. They refuse to remove it because I cant provide them with the information they requested. It has been reported to the credit bureaus and is effecting my ability to finance the balance owed on my home, which I am now In jeopardy of losing. I have provided them with the ftc report and they stated that it means nothing to them. They in no way offer any resolve to this issue and I have not had any access to any accounts with them since I thought they were closed in XXXX. At which time, I cut up my debit card for my checking account and uninstalled the app. They refused to confirm or deny if the balance from the secured card was additional charges or interest accrued from them not closing the account after they stated they did. Although, I'm not familiar with secured cards and how they work as I've never in my life had one, I didn't think you could spend beyond what money you had deposited to begin with. That being said, I'm not sure how it could continue to be used after the deposited amount was gone and how that would cause a negative credit action anyway? From the little information I can see on my report, it states the credit limit is only {$100.00} but that the balance is {$150.00}. I am seeking simply that green dot bank remove this account from my credit report. If not fully, then they need to provide solid confirmation that it is MY account and at the very least, show it as close from XXXX and remove the negative consequences that I am receiving from their lack of compliance and their inability to do their jobs.

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