Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called transunion on XX/XX/XXXX in regards to a debt collection in my account in which I had disputed. I explained to the representative that I have a security freeze on my account in which I had on there since XX/XX/XXXX. So I was confused how someone was able to gain access to my credit report without me removing the freeze. The rep explained that because I had a fraud alert in my report he had to transfer me to the fraud department. After being transferred I explained the same situation to the new rep. He then explained to me that they do not validate debt and I quote these were his words. I then repeated what he said and he said yes. We dont get any contracts or anything elses from the creditor saying that the debt is valid. He said all we do is ask the creditor if the debt they listed is valid and if they say yes we inform you that the debt has been validated. I then expressed my disbelief and asked how would they know that the debt even belong to me. I also expressed that it was impossible for it to be mine as I had no dealings with this company before that was reporting the debt and that the debt being reported was from XX/XX/XXXX in which I had not open any accounts with anyone during that time. I also advised that I have a security freeze on my report. He then says well let me validate who you are so that I can access your report. I give him my Information and then he says he needs to ask a series of questions. He starts to ask questions that I am unfamiliar with as I have no association to any of the questions asked. He then claims he cant validate who I am and that I need to hang up and call back to speak to someone else to get new questions. Well I never called back and submitted a dispute in writing with a certified attached. Im saying this to say that Transunion has unfair dispute practices that allows creditors to put negative collections on your report without having to provide documentation that the debt belongs to you. Transunion at this very moment is costing me financial hardship and continues to do so after allowing XXXX XXXX to open credit in my name during a time that a fraud alert was put on my credit report. Transunion removed the XXXX account but later allowed XXXX XXXX  a collection agency put the same account on my report and claimed it was valid after I disputed it citing that the account was sold to XXXX XXXX by XXXX. Please dont allow Transunion to do this to anyone else and allow there reputation and credit to be harmed because they lack the dignity to verify collections before putting them on credit reports. I am requesting Transunion deletes accounts from XXXXXXXX XXXX that were sold to XXXX XXXX XXXXl and any other agency as well as these accounts from XXXX XXXX

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