Consumer complaint received 2019-05-14
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: Personal information incorrect

Complaint:
On XX/XX/XXXX approximately XXXX i was awaiting a phone call returned and scheduled for this am. No one form TransUnion called. In this matter TransUnion Failed to protect me XXXX XXXX XXXX the consumer in this matter. There are multiple issues with this matter. In their response they TransUnion stated that the XXXX XXXX account was opened XX/XX/XXXX and closed XX/XX/XXXX, within 30 days of the alleged account being opened. I have spoken with said bank and asked them to verify this information, they said they could not. They XXXX XXXX stated that both accounts had no data for application opening date. So if this is the case how is it appearing on my credit report and not deleted. I have asked repeatedly that this fraudulent information be deleted. On XX/XX/XXXX i spoke with TransUnion employees one by the name of XXXX located in Pennsylvania. She said that the internal reasons of identity theft based upon TransUnion practices and not the FDCPA or the FCRA that they could not and would not delete the identity theft information from my record. Making it appear to be late by 30 days on one card ending in XXXX and the other card ending in XXXX. I also spoke with a XXXX same state of Pennsylvania, whom said that there where several addresses listed for me in the State Of California, she would not or could not share this information with me. I stated to her after identifying myself in full that my correct address was XXXX ... XXXX XXXX CA XXXX. She noted that there where multiple addresses from XXXX XXXX NV to XXXX MI that would need to be deleted. So i asked her to do so. The issue here is that TransUnion is ignoring the FDCPA and the FCRA for their own reasons. As internal practices, as this information has been deleted and updated with the other credit reporting agencies but not with said reporting agency herein and others possibly. This is identity theft and when i asked TransUnion about their process i was told over the phone today XX/XX/XXXX, that they have internal process which couldn't be shared rather XXXX said that something was wrong with the addresses listed and name was incorrect. my name is spelled XXXX XXXX XXXX not XXXX XXXX XXXX i do not live or have a mailing address at XXXX MI nor in XXXX XXXX. The bank listed these addresses but they are false. If the dates are wrong and the responses from the banks are inaccurate how is there a report and why is it not being deleted? This account and all accounts by XXXX XXXX should be deleted they have not provided accurate or belongs to me. According to the 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt col- lector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt col- lector will obtain verification of the debt  or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and i XXXX XXXX XXXX notified XXXX XXXX over two years ago of fraudulent charges up to {$1200.00} being reported in my name and the validate the debt as of XX/XX/XXXX. They failed to respond in a timely manner. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer  reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 39 605B - 15 U.S.C. 1681c-2 605B - 15 U.S.C. 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, which i XXXX XXXX XXXX due to the amount of fraud and identity theft and misspelling of my name and incorrect addresses listed by credit reporting company XXXX XXXX have asked repeatedly that TransUnion and other reporting agencies block this from my report. ( A ) is a reseller ; 40 ( B ) is not, at the time of the request of the consumer under sub- section ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. Today it was shared with me that the banks reporting seemed odd at first glance, well if this is the case this seems to be reseller attempts to recreate a debt that has been a. paid in full, b. not that of XXXX XXXX XXXX or c. made up by way of identity theft. I XXXX XXXX XXXX have repeatedly requested the information being reported under my likeness or identity falsely and no one would disclose this information not even the bank itself. 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless 606 - 15 U.S.C. 1681d ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). ( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection XXXX a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. No such data was received by the consumer. In fact the Bank has failed to provided this information being reported to me as of the last date they have reached out to XXXX XXXX XXXX as of XX/XX/XXXX. Whereas there were only letters threatening to collect a debt that i do not owe from the following personnel of said bank ; they are ; 1.XXXX XXXX, 2.XXXX XXXX XXXX 3.XXXX XXXX 4 . XXXX XXXX whom all work in various departments and this accounts for no point of contact. TransUnion nor any other credit reporting agency or named bureau can make up their own internal laws as to identity theft and disclosure policies or laws, they must abide by the FDCPA and the FCRA.

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