Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent in a Certified letter to Transunion disputing inaccurate and wrongful information on my credit report. 

I requested that Transunion ACCURATELY investigate and remove the information from my credit file. As I already know the information and the data furnishers were incorrect and the items appearing do not belong to me. By FCRA Law ALL items that are incorrect or simply do not belong to the consumer HAS TO BE REMOVED within 30 days. I received a response from Transunion via mail on XX/XX/XXXX in which the credit Dispute details were sent back to me XX/XX/XXXX. 

There are XXXX ( XXXX ) false and incorrect data furnishers/creditors that need to be removed now within 15 days. By FCRA Law " ALL inaccurate, incomplete or unverifiable information MUST BE REMOVED ''. With this being said it has been brought to my attention that by law I do have the right to uphold Transunion and all other NON Government agencies that is reporting false information willfully without correct information to the court of law. Before exercising my rights this is an attempt to get the correct results by following the steps as a consumer necessary. Please see below for the Five ( 5 ) incorrect and unverifiable accounts that needs removing from my Transunion credit report. 

XXXX. ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Nevada XXXX ( Date Reported XX/XX/XXXX ). I have never lived at this address and this address is not associated with me. No proof of verification of address was sent to me from Transunion to show means of Verification. 

XXXX. XXXX XXXX XXXX # XXXX. ( This account was mine and was paid in full on XX/XX/XXXX. By Nevada Law this item is PAST THE STATUE OF LIMITATIONS Which is 4 years and needs to be removed. Transunion instead updated the date and rating. ) XXXX. XXXX XXXX XXXX XXXX # XXXX. ( I have NEVER done business with this company and it states on my credit file that this company is a " Debt Buyer ''. By Law it is ILLEGAL without my written consent for a debt buyer/collection agency to buy up a consumers debt or any debt claimed that is owed. Transunion claims " Verified as accurate ; HOWEVER updated, Balance, Date Updated, Past Due and Remarks. This is a willful failure to comply with FCRA requirements from Transunion to remove inaccurate and unverifiable information from my credit file. ) XXXX. XXXX XXXX, XXXX # XXXX. ( This creditor/item also does not belong to me, unverifiable and needs to be removed. Again Transunion Claims that " Verified as accurate, HOWEVER updated Date Closed, Historical Trended Data. ) XXXX. XXXX XXXX XXXX  # XXXX. ( Creditor/Item does not belong to me and is inaccurate and unverifiable. Transunion claims " Verified as accurate. No proof of verification meaning copy of wet signature was sent to me. ) Please be aware that I am fully aware of what is actually furnished and verified through the ACTUAL furnishing bureaus of information such as XXXX XXXX, XXXX, XXXX XXXX etc. My reports are not showing any of this information so it is impossible that these accounts have actually been verified in any way or fashion. These false claims and report is causing incredible damage to my livelihood and my credit file. I'd like to get this taken care of ASAP. Thank you!

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