Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received notifications alerting me about a new hard inquiry on my credit report, the hard inquiry was for a mortgage loan from a company called XXXX, I have not applied for any mortgage loan this year, I called XXXX and they said there is no account or application with my social security or information, so I called TransUnion and let them know the situation, that I have inquiries in my credit report that are not mine and I would like them removed, they told me I needed to contact the creditor and ask for a Letter or deletion, I called the creditor again, and they informed me that they do not send out letters of deletion, that the credit bureau is supposed to start an investigation and send out a form to the creditor after I have made them aware of the inquiries in my account, so I called TransUnion back and they said they dont send out forms and it is my responsibility to reach out to the creditors, so TransUnion wants me to do their job and is making it impossible to remove the inquiries, I also mentioned to TransUnion about an issue of someone elses credit information had been mixed up with mine in the past, they didnt want to hear it, they told me I still needed a letter if deletion, when I mentioned that in the past, someone with a similar name and birthdate from somewhere in the state they of Colorado had applied for a loan and it was showing on my credit report for some strange reason, the representative named XXXX said how do you know all this information about that person? Making it obvious that they didnt believe a word I said and were actually accusing me of lying, at one point in the conversation I asked XXXX what information im supposed to ask from the creditor if They dont even have any account with my information? And XXXX responded the information YOU provided when YOU applied for the loan so not only did they refuse to help me and wanted me to do their job but they also accused me of actually applying for a loan after I had reached out to them for help. 
In the past the same issue happened with XXXX and when I brought up the issue, they took care of the problem, they looked into the accounts and inquiries and removed everything from my credit report that was not mine, and even noted that the other persons information or accounts and debts were mixing with mine in order to prevent it from happening again, I asked TransUnion to do this and they just responded with if you cant obtain a deletion letter, you can send us and XXXX  letter to remove the inquiry and completely ignored everything I had mentioned about someone elses information having been mixed with mine. 
According to the XXXX  reform the credit bureau is supposed to hear me out, take me on my word and start an investigation to remove these inquiries in a timely manner, however TransUnion has just been no help at all showing zero knowledge of their responsibility in these situations with terrible and rude customer service representatives who were more concerned about how many times I had called instead of being more concerned about the real problem at hand.

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