Consumer complaint received 2022-12-14
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:
I XXXX XXXX checked my consumer report and noticed there were fraudulent accounts reporting to my consumer report. I reached out to Transunion to notify them about the accounts and to no avail I did not receive a solution. I reached out to Transunion for a second time and the representative stated the accounts were verified. I asked Transunion to send me their method of verification and they refuse to send me the verification letter. This is a federal violation because according to 15 USC 1681i ( 7 ) I, the consumer have the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. If a description of the method used can not be provided, information associated with US DEPARTMENT OF EDUCATION MUST BE REMOVED. I have uploaded some documents which shows where Transunion allegedly verified the account and also shows where the account had been deleted. However, according to my credit monitoring system the US DEPARTMENT OF EDUCATION ACCOUNTS ARE CURRENTLY REPORTING ON MY CONSUMER REPORT. TRANSUNION HAS VIOLATED SEVERAL FCRA GUIDELINES. I HAVE UPLOADED A DOCUMENT LISTED AS EXHIBIT ( A ) WHICH SHOWS WHERE TRANSUNION IS CURRENTLY REPORTING THE INACCURATE ACCOUNTS AFTER ALLEDGLY REMOVING THE ACCOUNTS. TRANSUNION IS IN VIOLATION OF 15 USC 1681b ( e ) ( 6 ) - Consumer reporting agencies on a nationwide basis must maintain a joint notification system. I have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for US DEPARTMENT OF EDUCATION XXXX, AND US DEPARTMENT OF EDUCATION-15008160 DOES NOT MATCH OTHER CONSUMER REPORTING AGENCIES SHOWN IN EXHIBIT ( A ) WHICH MEANS YOUR COMPANY HAS FAILED TO MAINTAIN REASONABLE PROCEDURES TO KEEP A JOINT NOTIFICATION SYSTEM AND IS IN VIOLATION OF 15 USC 1681b ( e ) ( 6 ). THESE ACCOUNTS MUST BE REMOVED. I never gave Transunion the authority to furnish my consumer report. Consumer reporting agencies need written instructions by I the consumer to furnish a consumer report. Without written instructions this consumer reporting agency ( TRANSUNION ) has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. BY DEFINITION TRANSUNION HAS COMMITTED IDENTITY THEFT. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) AS SEEN IN EXHIBIT ( A ) AND INFORMATION ASSOCIATED WITH US DEPARTMENT OF EDUCATION MUST BE REMOVED. As you can see in Exhibit ( C ) the US DEPARTMENT OF EDUCATION ACCOUNT HAD BEEN UNDER INVESTIGATION AND CAME BACK VERIFIED. AS PERVIOSULY STATED I REQUESTED A METHOD OF VERIFICATION AND TRANSUNION DENIED THE METHOD OF VERIFICATION WHICH IS A VIOLATION OF THE FCRA. FUTHERMORE, IF THERE IS AN ACCOUNT WHICH COMES BACK VERIFIED PURSUANT TO 15 USC 1681a ( e ) THERE MUST BE AN INVESTIGATIVE REPORT WITH THE SOURCE OF THE REPORT COMING FROM INTERVIEWS OF FAMILY AND FRIENDS AND THE RESULT CAN NOT CONTAIN FACTUAL INFORMATION. I, THE CONSUMER ALLEGE NO SUCH VEIRIFCATION BASED ON AN INVESTIGATIVE REPORT EXISTS. THEREFORE TRANSUNION HAS CLEARLY VIOLATED 15 USC 1681a ( e ). EXHIBIT ( B ) SHOWS WHERE US DEPARTMENT OF EDUCATION WAS DELETED BUT EXHIBIT ( A ) CLEARLY SHOWS THAT US DEPARTMENT OF EDUCATION IS CURRENTLY REPORTING. THESE DOCUMENTS ARE MISLEADING WHICH IS A VIOLATION OF 15 USC 1692e. I have filed another identity theft report, and according to 15 USC 1681c-2 ( a ) if I, the consumer provides a consumer reporting agency such as TRANSUNION with appropriate proof of identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with US DEPARTMENT OF EDUCATION-XXXX XXXX US DEPARTMENT OF EDUCATION-XXXX  XXXX is not relating to any transaction by myself, TRANSUNION is required to place a block on my consumer report on the information associated with US DEPARTMENT OF EDUCATIONXXXX, AND US DEPARTMENT OF EDUCATION-XXXX. THIS INFORMATION WOULD NOT BE BLOCKED IN ERROR IF YOU FEEL THERE IS MISREPRESENTATION OR THERE WAS ANY POSSESSION OF GOODS, SERVICES, OR MONEY OBTAINED PLEASE SEND ME A STATEMENT SIGNED UNDER PENALTY OF PERJURY WITH EVIDENCE OF THIS COUNTERCLAIM. This derogatory information on my report is causing me stress, anxiety, and defamation of character. EACH REQUIREMENT OF THE FCRA WHICH TRANSUNION FAILS TO COMPLY WITH, HOLDS THE COMPANY LIABLE FOR {$1000.00} PER ACTION AND PURSUANT TO 15 USC 1681i WHEN AN INVESTIGATIVE REPORT IS PREPARED NO ADVERSE INFORMATION IN A CONSUMER REPORT MAY BE INCLUDED IN A SUBSEQUENT CONSUMER REPORT. EACH MONTH THIS FALSE INFORMATION WAS INCORRECTLY VERIFIED MAKING TRANSUNION LIABLE FOR EACH CONSECUTIVE REPORTING SHOWN IN EXHIBIT ( A ). I have also submitted to TRANSUNION via certified mail # XXXX a Notarized Affidavit of Truth and uploaded the Affidavit of Truth. An Affidavit of Truth stands truth in commerce if it goes unrebutted line for line. I also sent remaining supporting documents that are currently uploaded to Transunion via certified mail.

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