Consumer complaint received 2024-09-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which comes with 100 % full identity theft restoration services. Yet unfortunately, I've still been hampered by negative marks appearing on my credit report, in an effort to create significant barriers to moving forward. I have a membership with XXXX  - a Discriminatory credit union. My account has been dormant for years yet the dormant account was reactivated due to an unauthorized charge. I filed a complaint regarding FTC violations and XXXX XXXX  with the XXXX XXXX XXXX XXXX. I received an alert from XXXX ( XXXX XXXX and XXXX ( XXXX ) XXXX XXXX` A new account XXXX XXXXXXXX with XXXX XXXX XXXX was opened in your name . XXXX XXXX XXXXXXXX Account account was opened on XX/XX/XXXX. If you don't recognize this activity, contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the new account was opened in your name. '' CFPB was already notified of this company. I pay {$80.00} a month in total for identity theft insurance with the CRAs yet my information has been used in numerous data brokering and kickback and corporate bullying transactions, my identity has been collectively attacked over the years and no restorative services have been applied, negative accounts appearing on my XXXX, TransUnion and XXXX reports are covered under identity theft yet nothing is corrected when I file disputes- the negative marks remain. Paying money each month for services that do not work. I find myself grappling with unresolved identity theft issues, compounded by discriminatory practices within the system. I filed CFPB complaints back in XXXX which have gone unanswered and requested XXXX XXXX XXXX to stop the retaliatory, illegal and unauthorized data brokering. No shareholders should be obsessively targeting, stalking and harassing a XXXX XXXX  and tracking them in all their transactions ; it is highly unethical, illegal and unAmerican. I wrote a grievance with CFPB which requested they not intentionally block my identity theft disputes for relief and removal of detrimental marks on my credit report. I have a negative mark of a medical collection ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from a dangerous XXXX driver who targeted my family ; XXXX XXXX XXXX XXXX in broad daylight with a vehicle after they left XXXX XXXX XXXX XXXX XXXX XXXX ( Hidden Hand XXXX ) after violating 18 US Code Section 1389. Despite investing in identity theft insurance and considering myself a victim of XXXX  XXXX  and fraud - defending against years of illegal fair game aka organized crime, collective systematic, unAmerican terrorism operations, housing discrimination, obsessive interstate and local stalking, disturbed paid outside agitators, vandalism, extremism, harassment, invasive privacy violations, human and natural civil rights violations, covert corporate bullying, intimidation, schemes, exploitation, intentional mail " inconveniences '', identity theft, death threats and other corporate corruption, XXXX XXXX XXXX and overboard toxic and hateful acts towards my XXXX XXXX XXXX  HUD violations, FTC, FCC violations, a wide range of federal consumer financial laws violated yet my identity theft claim which I qualify for was not approved. The identity theft comprehensive program that I pay for each month protects sensitive data just as any financial institution to include surveillance of XXXX market sites, data breaches, monitoring of fictitious identities, alerts of credit inquiries, scanning any records, verification and changes of data and restorative services. I am a XXXX  who has been subjected to identity theft, violence, narcassistic abuse and crime - there is an extended credit alert on file along with identity protection coverage and there should be no negative marks appearing on my credit report.

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