Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have been disputing with XXXX  since XX/XX/2020 over my identity theft case and they have still neglected to delete the erroneous fraudulent information according to FCRA 605B therefor violating it. It clearly states that all the derogatory erroneous items that are still appearing on my credit due to the theft shoukd be suppressed until further investigation is held this would preserve my name instead they are doing opposite and its devastatingly affecting my creditworthiness when it comes to finding a new home. I have disputed with the leasing company that gathered XXXX  erroneous information to form a credit score and disputed directly to the bureau to no advantage. I have sent them the FTC signed notarized affidavit along with a police report over 30 days ago and the inaccurate information is still reflecting theyll delete one or two items but not suppress all as the law calls for all and not just selected items. In additional to breaching the law they are also double reporting a collection and original creditor on my report and refuse to allow me internet access to dispute or retain my report I have to go to three other credit monitoring companies as a result inflicting me with a XXXX a month credit monitoring bill because I have to get information from several sources to know what they are updating. According to the law once the police report and affidavit where presented the cRA has 4 days to suppress then conduct their investigation then if the item is valid notify me with 5 calendar day of the reinsertion instead they are going contrary to the law and informing me that I had to get another police report itemizing only 5 items at a time and not a report that list all the discrepancies but only 5 items at a time and to submit the reports separately thats what I was told today on the XXXX date of resubmitting my original affidavit and police report documents and Im just overwhelmed. They also asked this ridiculous request for the FTC affidavit it took me 4 hours but I did the FTC report and only included 5 derogatory items on each report and Im attaching it here because thats not a requirement and if it where why wasnt I informed of it 2 it 5 months ago even when they got it originally. I feel even more so now my data is breached with them because every week I call I I have to answer a series of questions that anyone can hear and record and Continue this vicious cycle. They are obtrusive and abusing the laws that are there to protect consumers while to delay time coming up with nonsensical rules after the fact that no other bureau is even mentioning let alone practicing because its all FTC violations. Even with the reporting furnishes are backdating there entry on my report which is a violation and they should be immediately DF instead they still keep the erroneous reporting still procrastinating deleting the information thats not pertaining to me and I want then to summoned and fined for the cost that Ive incurred and the damages that Ive further endured over the past 5 months dealing with my identity theft claim. They are negligent in their reporting and violating several FCRA laws by not adhering to of along with 605B 611,613 and portions of 609. All laws being violated daily in my case it stops now Im entitled to accurate credit reporting and I want my credit report to actually only reflect the reports that I apply to accept and agree too not fraudulent crimes

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