Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have an account named XXXX XXXX XXXX on my TransUnion LLC credit report. It is for a personal loan that I never opened nor gave my permission for anyone to open. I contacted TransUnion LLC and informed them that this is a fraudulent account and a case of identity theft. I requested this account be removed from my credit report and TransUnion LLC started the dispute process. The creditor or bank XXXX XXXX XXXX had 30 days to respond and verify that this account is accurate. They did not do so and therefore the account was removed from my credit report at some point last year ( XXXX ). I then received a letter from TransUnion LLC on XX/XX/XXXX stating that the account has been verified as accurate and so it has been placed back on my credit report. I reached out to TransUnion and asked that this be removed because it should have never been re-added to my report. They told me they could not do so and that they can not give me the information that the creditor gave them to verify this account as accurate. I then reached out to XXXX XXXX XXXX and requested that they send me any supporting documents that prove this account belongs to me. They refused to send me this information unless I file a Identity Theft report with the FTC and file a police report. As I think this violates the Fair Credit Reporting ACT I still sent them the information they requested so that I can get this matter resolved and off of my report. I sent them all the information they requested by priority mail which I paid out of my own pocket and almost two weeks go by and no response. I contact them to find out what the status of their investigation is and I was told it is closed and I will receive a letter in the mail in about 5-7 days. I asked what the content of the letter is going to be and are they going to send the supporting evidence that I requested. After being on the phone for almost an hour i'm told, the letter will state the investigation is closed and you are still responsible for this account. They also said they was nothing in your file about sending any documents back to you so we consider this matter closed. I find this absolutely unprofessional and just bad practice on how to operate a company. They were given the chance to verify this last year so this should have never happened. I can't trust a credit reporting agency like TransUnion LLC to follow proper procedure, therefore this is the result that I receive and now my credit is being hurt by this item that is on here so I am asking that it be removed. I've had this account removed from my report through the proper channels and now its back on there. I reached out to both TransUnion LLC and XXXX XXXX XXXX to have this resolved and now it just seems like they are playing some kind of cat and mouse game and won't support their case. I tried every single method to resolve this matter, I am coming up with no results and both TransUnion LLC and XXXX XXXX XXXX are not cooperating.Please help me resolve this issue so I can have an accurate credit report file.

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