When applying for a personal loan, my bank informed me that I had an outstanding charge on my credit from a company call XXXX XXXX. Up until that point in time I have never heard of that company. When I filed my dispute with Transunion and they finished their investigation, they are still holding me responsible for the charges. I had a similar incident like this occur XXXX 2014 and the case was taken care of and I am no longer responsible for those charges on a XXXX XXXX account. Both the XXXX XXXX and XXXX charges occurred within 1 month of each other. At that time I was XXXX years old, in college, living at home, no car, no job, and no credit cards.