Consumer complaint received 2025-05-15 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: NV

Complaint narrative:
I received an email from XXXX on XX/XX/XXXX, about opening a new credit card. I was shocked because I had not applied for a credit card since XXXX and had not been to the United States since XX/XX/XXXX. I repaid my student loans in XX/XX/XXXX, and my credit providers closed my credit cards in XXXX. I lived and worked in XXXX between XXXX and XXXX and never used my credit cards. Thus, I had no credit. 

I checked XXXX and saw that I had three open credit cards. The odd thing is I never received an email from XXXX about these accounts, although this company sends me an email for every little change to my TransUnion credit report. 

The entries for these three banks are strange. For example, XXXX XXXX reported an extended credit card history with the account opened on XX/XX/XXXX. I didnt know this credit card existed. However, I checked my XXXX TransUnion Report, and that credit card is not there. Furthermore, XXXX XXXX did something similar. They reported an extended credit card history with the card opened on XX/XX/XXXX. Again, this is not in my XXXX TransUnion Report. How can my XX/XX/XXXX, Transunion report show an extended credit history that does not exist on my XXXX Transunion report? 

I have XXXX addresses added to my credit report. I have never lived in California, Ohio, or New York. I placed the addresses below in case someone is also experiencing problems with these banks, along with these addresses. The California address was added on XX/XX/XXXX ; Ohio on XX/XX/XXXX, and New York on XX/XX/XXXX. In addition, XXXX  XXXX XXXX opened a credit card in my name on XX/XX/XXXX, and closed the account on XX/XX/XXXX. Why would XXXX  XXXX XXXX approve a credit card when a person has XXXX address changes within XXXX weeks, especially in XXXX states? I applied for a XXXX credit card in XX/XX/XXXX and was rejected because I had just established residency in XXXX XXXXXXXX XXXX They replied that the address change was too recent. I left for XXXX in XX/XX/XXXX to teach. 

The information that XXXX  XXXX XXXX has reported has other issues. For example, XXXX  XXXX XXXX requested my credit report on XX/XX/XXXX, but no inquiries before that date. Does this mean that XXXX  XXXX XXXX approved a credit card in my name with a {$10000.00} limit without verifying information from a credit report? 

Another problem is that the credit card XXXX XXXX  XXXX XXXX has a maximum credit limit of {$10000.00}. However, XXXX  XXXX XXXX claims the credit card balance is {$20000.00}. I thought credit cards imposed strict spending limits. How could someone charge purchases to a credit card beyond the credit limit, especially twice the limit? 

Fraudulent addresses that were added to my credit history XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have never lived in California, Ohio, or New York. I have never had these telephone numbers, ( XXXX ) XXXX ( California ) and ( XXXX ) XXXX XXXX XXXX XXXX XXXX 

The XXXX and XXXX TransUnion XXXX XXXX are attached.

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