Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to file a formal complaint against TransUnion, a credit reference agency, regarding a grave matter that has significantly impacted my financial, emotional, and personal well-being. The heart of my complaint centres on alarming inaccuracies within my credit report, which TransUnion has inadequately addressed despite multiple attempts for resolution. This issue not only violates my consumer rights but also highlights systemic flaws requiring immediate intervention. 

Key Points of Concern : 1. **Persistent Debt Collection Harassment** : I have endured relentless debt collection letters and calls, leading to substantial emotional distress and daily life disruption. 

2. **Unauthorized Bank Accounts** : My identity was exploited to open fraudulent bank accounts, potentially causing significant financial losses and damage to my credit history. 

3. **Misused Mobile Phone Contracts** : Unauthorized mobile phone contracts were established under my identity, resulting in financial adversity and credit history damage.

4. **Deceptive Debt Collection Notices** : Misleading debt collection letters, falsely claiming outstanding debts under my name, compounded my distress and inflicted additional harm.

5. **Emotional and Personal Turmoil** : These inaccuracies extended beyond financial implications, profoundly affecting my personal life, and even compelling me to send my XXXX  wife back to XXXX due to unbearable stress. 

XXXX. **Impaired Fatherhood Experience** : The distress and uncertainty have marred my ability to fully embrace fatherhood.

7. **Persistent Fear of Identity Theft** : I live in constant dread of identity theft, intensifying my ongoing XXXX

8. **Limited Housing Prospects** : Securing suitable housing has been hindered due to adverse credit checks stemming from these inaccuracies. 

9. **Financial BurdenXXXX : My compromised credit history has led to increased financial burdens, particularly in areas such as car finance, imposing further strain. 

Remarkably, TransUnion 's database links approximately 31 erroneous addresses to my name, raising profound concerns about their data management processes and investigative rigor.

Having exhausted all communication avenues with TransUnion without adequate response or resolution, I am compelled to seek your intervention. I am in the process of preparing a legal notice against TransUnion, seeking compensation of at least XXXX per incorrect address linked to my name. This compensation is warranted considering the emotional distress, damage to my health and relationships, and financial hardships endured. 

I implore you to promptly and thoroughly investigate this matter. It extends beyond my personal circumstances and is vital to uphold the credit reporting system 's integrity and protect consumers ' rights. 

For reference, I have provided the XXXX  reference information below : - XXXX Reference Number : XXXX - Original Client : XXXX Your urgent intervention is critical in resolving this grave issue.

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