Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I discovered inaccurate, unvalidated and fraudulent information on my TransUnion consumer credit report. On XX/XX/XXXX. I requested definite statements from the furnisher of a collection account. On XX/XX/XXXX I wrote a letter to TransUnion requesting that the along with additional information to be removed from my consumer report : 1. Collection Account : XXXX 2. Hard Inquiry : XXXX XXXX 3. Any other Hard Inquiries Upon receiving an inadequate dispute response from TransUnion I sent a another letter to TransUnion requesting a reinvestigation of the inaccurate and unvalidated information. On XX/XX/XXXX. 
Pursuant to 15 USC 1681i, reinvestigation of disputed information was required starting XX/XX/XXXX at my request. TransUnion is in violation due to failure to complete a reinvestigation. TransUnion did not send me an Audit Trial of this XXXX account. Instead, TransUnion continued to allow this inaccurate, unvalidated and fraudulent account to report to my consumer credit report. TransUnion has violated 15 USC 1681 ( g ) ( a ) ( 2 ) by not sending any of the documentation that I requested per previously mailed letter dated XX/XX/XXXX regarding the sources of information used and a description of the reinvestigation procedure. 

On XX/XX/XXXX, I filed a CFPB complaint due to TransUnions non-compliance with 15 USC 1681b ( a ) consumer law to remove this information from my account.

After research, it also became apparent to me that I needed to file an FTC Report and seek a recovery plan to remedy the unauthorized use of my consumer information via Identity Theft. Therefore, I filed a FTC Report on XX/XX/XXXX. At that time, TransUnion was still willfully continuing to violate me by reporting inaccurate, unvalidated and fraudulent information to my consumer credit report. 
On XX/XX/XXXX, via USPS Certified Mail Tracking # XXXX, Return Receipt Tracking # XXXX, I sent TransUnion a copy of said FTC Report along with a Notice of Pending Litigation letter, color copies of my Drivers License & Social Security Card. 

Instead of removing and blocking the inaccurate, unvalidated and fraudulent account and unauthorized Hard Inquiry pursuant to 15 USC 1681c-2 ( a ), TransUnion mailed a 5page TransUnion Identity Theft Victim Assistance Affidavit Form, Exhibit I, dated XX/XX/XXXX. The failure to remove/block and mailing for that form are violations of 1681c-2 ( a ), 1681b ( a ), and 11681b ( c ) ( 3 ), as I am not required per consumer law to return a completed TransUnion Identity Theft Victim Assistance Affidavit with a FTC Report.

Pursuant to 15 USC 1681c-2 ( a ), TransUnion is required to remove and block the reporting of information due to Identity Theft from my consumer credit report. 
Pursuant to 15 USC 1681n ( a ), 15 USC 1681e ( b ), and 15 USC 1681c ( a ) ( 5 ) ; TransUnion is willfully failing to comply with the removal and block this inaccurate, unvalidated and fraudulent account and hard inquiry from my consumer report. No consumer reporting agency may make any consumer report containing any other adverse item of information. 

TransUnion, as of XX/XX/XXXX, is continuing to willfully report an inaccurate, unvalidated and fraudulent account and unauthorized hard inquiry to my consumer credit report ; XXXX has stated to cease reporting this account to ALL consumer credit reports due to the Identity Theft, both XXXX and XXXX have removed this account.

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