Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 : A hard credit inquiry appeared on my TransUnion report from a creditor XXXX XXXX XXXX, XXXX. The sales Distributor is XXXX XXXX. With address at XXXX XXXX XXXX, XXXX, WI XXXX. 

XX/XX/2023 : I called each credit bureau requesting to freeze my account, and file a dispute with the creditor. 

XX/XX/2023 : The creditor, XXXX XXXX XXXX sent a letter stating they received a dispute from TransUnion and asked that I provide my personal sensitive information ( SSN card, copy of drivers license, documents showing current address, pay stubs from employer ) in order to further investigate. I am NOT comfortable providing this information to a creditor I have no clue of. 

XX/XX/2023 : TransUnion notified me with this result : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

XX/XX/2023 : I called the XXXX XXXX XXXX, XXXX and requested further information regarding my fraudulent account that was established. They could not verify my account with address, phone or email. Then I provided them an account number that was given in the letter to me on XX/XX/XXXX, and the representable was able to pull up the account. I requested the following below and this is what was provided : 1. Contract : Stated they do not have and that I needed to contact the Sales Distribution ( XXXX XXXX ) at XXXX XXXX XXXX, to obtain that. 

2. Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX. THIS IS NOT MY ADDRESS 3. Phone : XXXX XXXX XXXX. THIS IS NOT MY PHONE NUMBER. 

4. Email : XXXX THIS IS NOT MY EMAIL To sum this up, XXXX XXXX XXXX need to close my account and report to each credit bureau accordingly. 

TransUnion has my personal information, and during their investigation with XXXX XXXX XXXX, they did not do their job accordingly. My address, phone, and email is accurate with each credit bureau, TransUnion could have crossed reference with XXXX XXXX. 

XXXX XXXX need to consult with their Distributor, close the account that was fraudulently created under my name. Them requesting me to send personal information, so they can cross reference is out of line. I will NOT provide these documents. They have enough information to know this was fraudulently created. 

XXXX XXXX XXXX need to do a better job of verifying identity before running credit on individuals. 

The Distributor and sales organization need to be held accountable and prosecute the individual who knowingly did this. 

I will also be filing with the police department, that I am a victim of identity fraud. 

This fraudulent account does not meet my profile. I rent and have no need to apply for store credit to purchase appliances. My landlord fixes and repairs these items per my lease with him.

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