Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In response to file number : XXXX TransUnion, Im writing in response to your dispute results generated on XX/XX/2020. Im challenging the incorrect information provided on my credit report and request immediate deletion. I strongly disagree with your results and request an immediate re-investigation to be conducted outside of TransUnion. I have additional relevant information I would like to add. I would like the outside investigation documents mailed to me in addition with the results from this investigation. This information is incorrect, and it is preventing my family and I from purchasing a house. 

I have previously requested account verification documents to be mailed to me on XX/XX/2020 USPS:XXXX. I have yet to receive any of the requested documents and TransUnion is still reporting these account which is against the law. 

How were these accounts verified? Did you speak to an individual or did you connect outside of TransUnion? If you are unable to provide me the requested documents, then according to FCRA you must delete/remove these accounts from my report. 

I have included account details for each of these ( 3 ) accounts. TransUnion is reporting a past due payment on a closed account? How dare you break the law? The FCRA states a closed account in collections/charge-off should not have a past due balance or a monthly balance. Please examine the attached documents. Furthermore, TransUnion is reporting the wrong credit limit on all ( 3 ) accounts with incorrect account status. 

Who does TransUnion think they are? How dare you misuse my information and think you are going to get away with this? Not today. These accounts are being reported without verification and incorrectly. I have written TransUnion letters for the past 60 days and they are continuing to report this incorrect fraudulent information. 

This ends now, delete/ remove the accounts immediately. 

TransUnion is breaking the law in various ways listed below 1. TransUnion is sending me mail with the incorrect name ( as shown on supporting doc A ). How FCRA was broken? As a consumer, I have the right to request removal of incorrect information and TransUnion must correct, delete inaccurate, incomplete, or unverifiable information.

2. TU is reporting a past due payment and sending me notifications that a CLOSED account is reporting past due. According to FCRA TransUnion can not report a late payment on closed account. 
3. TransUnion is showing a monthly balance on a CLOSED account. This is against the law.

4. TransUnion is not conducting an outside investigation and is telling me they used the results from the previous month. This is against the law.

5. TransUnion failed to provide verification documents that link me to these fraudulent accounts.

6. With. My initial letter mailed out on XX/XX/XXXX XXXX USPS:XXXX. TransUnion has broken the 30-day window of investigation and the additional 15-day re-investigation window. 
7. The name and social security number on these accounts do not match my personal information in the personal information section on TransUnion, this alone should be grounds for deletion. 


I will not tolerate an automated response or another investigation to be conducted, those days are over. I have given TransUnion their 60 day window to investigate and i am not seeing movement.

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