Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom It May Concern : I am initiating a complaint against Transunion, LLC after being unsuccessful in numerous attempts to file a dispute over the phone. I attempted to file the dispute online with Transunion but was denied the opportunity due to my personal information not matching their records, which clearly has to do with the false information they began reporting in XX/XX/XXXX. Over the last 3 days Ive spent over 2 hours on each of my 4 phone calls to Transunion to address the issue. I am placed on hold for extended periods of time, once even being told I would be transferred to a supervisor, placed on hold for another hour, then hung up on. Each phone call always ended with them disconnecting the call after holding for prolonged periods of time. 

I learned of the false information when I attempted to refinance one of my homes with XXXX. My online application was immediately denied due to information received from Transunion reporting that my credit score was XXXX and that I had serious delinquency on my accounts ( see XXXX ). I knew that these statements were far from true, so I requested a copy of my free annual credit reports online. I received my XXXX  and XXXX  credit reports immediately for download ( see XXXX ), neither of which contained a delinquency in my credit history at all. I was unable to obtain the Transunion report online, receiving a message claiming my personal information does not match their records. I had to call Transunion to obtain a copy of my report. 

I received a copy of my Transunion report via mail with a letter dated XX/XX/XXXX ( see XXXX ). There were NO delinquencies in the Transunion report whatsoever. Yet they are reporting serious delinquency and a XXXX-credit score to financial institutions who utilize Transunion ( see XXXX ). You will notice on the XXXX report that Transunion began reporting false information in XX/XX/XXXX when my credit score dropped drastically ( see XXXX ). I received a letter from Transunion dated XX/XX/XXXX, two days after already receiving the Transunion report, stating that they were unable to locate a credit report for me and that I do not have an existing credit history ( see XXXX ). How does that make any sense after they sent me a copy of my credit report 2 days earlier? 

After not getting anywhere with Transunion, I decided to reach back out to XXXX with my actual credit reports because I really needed this refinance. I learned from the agent at XXXX that in addition to reporting a credit score of XXXX and serious delinquency, Transunion also reported my date of birth as XX/XX/XXXX. Clearly Transunion has made a gross error or there is someone else out there with my same exact social security number. 

I did have an identity theft issue years ago for many years that I thought had been long resolved. A man named XXXX XXXX XXXX was using my social security number to open accounts. I still dont know if this is an issue of a duplicate social security number or an illegal alien or criminal who perhaps purchased an identity. While I had been, or thought, I was successful in clearing up the issue with all the credit bureaus, Ive been unsuccessful in getting anyone at the federal level to help me with this matter. Fraud alerts were supposed to have been placed on all 3 of my credit reports. I just purchased a home in XX/XX/XXXX with no issues. A few months ago, right around the time that Transunion started reporting the false info to my financial institutions ( XX/XX/XXXX ), I began receiving mail AT MY NEW HOME addressed to XXXX XXXX XXXX. The mail was from debt collectors ( see XXXX ). 

Now Im starting to wonder if Transunion has been the culprit all along with this XXXX XXXX XXXX person. How can they associate MY social security number with a completely different birthdate? Why now and why only Transunion? And why is Transunion so unwilling to simply answer their phone lines and help consumers? As a consumer reporting agency, it is their responsibility to report true and correct information. I dont understand how they can just arbitrarily change the date of birth attached to my social security number and begin reporting false information about me. This company needs to be regulated more closely. They are dealing with peoples lives and finances. When there is an issue and they are at fault, their response is to avoid the issue by hanging up on a consumer numerous times hoping the consumer will just give up. 

This is my life. This is my familys life. I implore you to take serious action against Transunion and demand they fix the errors that are causing them to report false information about me and my credit history. I have attached the Transunion credit report I received that does NOT correspond with the credit score, serious delinquency, and false birthdate of XX/XX/XXXX that they have started to report against me. Ive also attached my credit reports from XXXX  and XXXX. In addition, Ive attached a copy of my birth certificate, driver license, passport, social security card, voter registration, and a current mortgage statement that clearly proves who I am, where I live and my true birthdate of XX/XX/XXXX to verify my identity ( see XXXX ). 

If this is not corrected post haste, I will have no choice but to pursue legal action seeking damages for the hardship and setback this has caused me and my family. It would be much easier for both parties if they would just correct their mistakes. 

Thank you in advance.

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