Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Over the Past 11 years I have had several issues with Transunion related to adding incorrect information to my credit report. 

1st incident : The first time I discovered this was on XX/XX/XXXX when I was rejected for a creditcard for having delinquent debt - but I had never taken out a loan. I pulled my credit report and Transunion but no other credit rating service showed debt that was not mine ( The case ID provided by Transunion was XXXX ). To prove this I contacted a hospital and a lending company and had them also submit disputes that the debt claimed was not my debt. The debt belonged to a person who was not me ( I know his name if you want to follow up ). He only shares a first name with me, we have never lived in the same city. This investigation was completed XX/XX/XXXX and Transunion determined that these debts were not mine and they were removed from my credit report after 6 months. 

2nd incident : XX/XX/XXXX The same thing happened, the same persons debts were applied to my account, but this time I was using a credit monitoring service because of my previous issues. The file number for this complaint was XXXX and this was resolved relatively quickly, the case was completed XX/XX/XXXX. I forget how long it took for the derogatory reports to be removed from my credit file, but it was shorter than 6 months. 

3rd incident : XX/XX/XXXX The same thing happened, the same person 's debt was assigned to my account and I was notified through XXXX XXXX. I disputed this with Transunion ( complaint XXXX ) and my case was completed XX/XX/XXXX. Transunion agreed with my dispute. Again, I forget how long it took for the derogatory reports to be removed from my credit file, but it was shorter than 6 months. 

4th incident : XX/XX/XXXX the same thing happened AGAIN, the same person 's derogatory accounts were placed on my credit report. This time I called Transunion to dispute this ( Complaint XXXX ). This time I also got a full copy of their credit report. I saw that although I call and self identify with my name, DOB, and SSN, the DOB and SSN on my credit report were incorrect. I let Transunion know this, they claimed that they saw the issue and confirmed it was the problem and would send me a new, updated credit report in the mail. Today, XX/XX/XXXX I received the results of my dispute in the mail and Transunion denied my claim saying that the derogatory account is valid ( despite it not being mine as I have never taken out a loan ) and the SSN, DOB, several addresses, and phone numbers remain incorrect on my credit report. 

Transunion is the ONLY credit reporting agency that has ever made these mistakes and assigned this person delinquent debt to my accounts. Its unacceptable that they have continually harmed my ability to obtain credit and overall financial standing for errors in their system.

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