Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute online for my XXXX  Credit Report because I found, inaccurate information in the following areas : Name, Addresses, Phone Numbers AND Double Reporting information. And they keep trying to force me to buy something specifically TRANSUNION just to see and dispute my Credit Report. Per the Fair Credit Reporting Act that is FREE. I swear. Im not being FRIVOLOUS. The site keeps redirecting me every time I try to log in to view my report and submit a dispute. 

I have XXXX accounts that were reported Double but in separate categories on my Credit Report therefore this causes a double negative effect on my Credit Score. 

The accounts are as follows : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 

Each of these accounts were reported 2 times in 2 separate categories on my XXXX   Credit Report and possibly XXXX  and TransUnion in the categories, Open Accounts and Collections Accounts. And I know this wasnt done by mistake. They did it on purpose. They are malicious. 

As for the Addresses, Names AND Phone Numbers, the Credit Agencies resound by using automated, generic responses. I get absolutely nowhere with them. They claim thats what the Creditor reported and act as if they dont need to do anything about it. This is in direct violation of the Fair Credit Reporting Act. It doesnt matter if the information was reported by a Creditor. That doesnt make it true. What matters is that the information on my Credit Report is, inaccurate, incomplete and unverifiable, but most specifically INACCURATE. 

For example, Ive never lived in New York. Yet theres a New York address on my Credit Report. Another example, my LEGAL NAME is, XXXX XXXX XXXX NOT XXXX XXXX. The information is INACCURATE and thats a FACT. I have the PROOF to be able to verify that thats not my name. Therefore both the Reporting Agencies and Credit Bureaus are reporting INACCURATE information. Simple. Black and white. 

But why is it XXXX near impossible to get anywhere with these people?! It seems like its their way or the highway regardless of the laws to protect consumers and citizens. So if thats what this really is, then this needs to be known and the Political and Economic Structure need to be changed to accurately portray whats really going on.

My requests are simple, black and white and WITHIN THE LAWS. There should be nothing else to it. So whats the problem?!?! Ill tell you what the problem is. This corrupt, scandalous, trifling, pathetic, disgusting government and system. If I could leave I would. I would of left a long time ago. But my Brain and Body are hostages being held against their will. And dont even try to use the XXXX card. Im SANE. And thats a FACT also.

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