Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am sending this email because I am extremely disturbed at the results of the credit bureaus investigation into my dispute. I feel as if I am being taken advantage of at this point. There are multiple inconsistencies in the results from the credit bureau XXXX XXXX  and Transunion. I do not understand how XXXX credit company can remove and update information and yet another company does not. The law states that all credit bureaus must report only 100 % accurate information and if the information can not be verified to be true it must be removed immediately. 

I have disputed this information and have yet to receive information regarding the accounts being updated. I have been forced to do all that I can to protect my identity. 

These companies are reporting inaccurate data, including wrong addresses and wrong misspellings of my name and account information. I feel I am being forced to accept debt that is not mine because of the lack of verification from XXXX XXXX and Transunion. I received a letter that furnished that I would need to contact the companies to verify the debt, I believe that is an insufficient response from a company whose job is to solely verify debt and accounts and when they can not verify, they should be forced to remove the data that is inaccurate. 

The credit bureaus XXXX XXXX  and Transunion are refusing to investigate any further into this inaccurate information knowing that the data does not match my personal information. 

I am getting contradicting letters regarding account information. I have filed an identity theft report as well. If one company sees discrepancies then all of your companies should XXXX XXXX and Transunion yet you are refusing to do so. This is showcasing a complete disregard to the accuracy of these companies and their willingness to comply and to furnish only 100 % correct information. 

According to FCRR act 12 USC 1431 : Identity Theft when an organization gets a loan in your name then creates and furnishes a deceptive form to make you think you received a loan when in actual reality and technical terms you only came for credit, the promissory note was for the original person who looked to obtain credit from, this means the loan is solely reliable only on the original debtor because they are who initially got the loan.I can not be personally liable for a debt that was taken out using my name via identity theft. ( 12 USC 1431 ) I want to see the the original account number and application for these accounts. I have asked each credit bureau to provide this information and I have not received any response regarding it. It has been over the allotted 30 days and it is quite frustrating to still have to fight for my name to be cleared of accounts that do not belong to me. 

XXXX- Has even admitted to not having an account with my information yet you are still refusing to remove this debt. 

I am looking to have these accounts removed from my credit profile. 

XXXX XXXX XXXX - {$8600.00} XXXX XXXX - {$9400.00} XXXX XXXX - {$5000.00} XXXX XXXX XXXX  - {$1300.00} XXXXt - {$7400.00} US DEP EDU - {$160000.00} Navient - {$7000.00} XXXX - {$180.00}

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 explanation