Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 recently sent Transunion some documentation pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. This documentation was sent certified and received on XX/XX/2023 per USPS tracking. I received a letter in the mail dated XX/XX/2023 stating that they removed an inquiry due to my credit report being obtained by XXXX XXXX in what was deemed a fraudulent application. I received another letter shortly after that was dated XX/XX/2023 stating that they removed the account XXXXXXXX XXXX from my report as well. However, the collection agency XXXX XXXX XXXX XXXX that purchased the account remains on my credit report and has been verified as accurate and updated. How was this account verified as accurate? What investigation was done that could end in this result? Both accounts were listed in my FTC report and in my dispute letter. I also stated in my FTC report that the collection account was on my report due to a fraudulent account being opened by XXXX XXXX There is absolutely no way that Transunion properly investigated this dispute if the collection agency was verified but the original creditor that they purchased the debt from was deleted for fraud. I requested the block and removal of BOTH accounts in 4 business days in my dispute letter that Transunion received on XX/XX/2023. Transunion unlawfully declined to block and remove the XXXX XXXX account in 4 business days and decided they are above the law and took 22 days instead. On XX/XX/2023, I filed a complaint with the CFPB against XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX responded to my complaint and said they have requested that Transunion deletes their trade line. I called the Transunion Fraud Victims Assistance Dept. at phone number XXXX and spoke with representative XXXX XXXX. I requested once again that Transunion blocks and removes XXXX XXXX XXXX XXXX from my credit report. After a 39 minute phone call, XXXX stated that Transunion still refuses to block and remove this account EVEN AFTER THEIR OWN INVESTIGATION RESULTED IN THE DELETION OF THE ORIGINAL CREDITOR FOR FRAUD. I advised XXXX that the collection agency responded to my CFPB complaint stating they have requested the deletion of their trade line and provided him with my CFPB complaint ID #. XXXX then stated that Transunion needs an additional 30 days to delete this account. XXXX also even stated that XXXX XXXX was not the original creditor for XXXX XXXX XXXX. He stated that the original creditor was XXXX XXXX XXXX. This further proves that no real investigation was even done because if there had been a real investigation, Transunion would quickly realize that XXXX XXXX XXXX ISSUES THE XXXX XXXX, HENCE THE ABBREVIATION XXXX Transunion has now violated 15 U.S.C . 1681c-2 by unlawfully declining to remove this account. The only authority Transunion has to decline to block and remove this information is listed in 15 U.S.C. 1681c-2 ( c ). None of the three circumstances listed apply in this situation whatsoever. Transunion also violated 15 U.S.C. 1681 ( a ) ( 4 ) by being unfair to me as a consumer and being partial to the collection agency furnishing this fraudulent account on my report, even after their own investigation deemed the original creditor as fraudulent. This leads me to the third law that Transunion violated which is 15 U.S.C. 1681e ( b ). How is this credit reporting agency following reasonable procedures to ensure maximum accuracy of my consumer report pursuant to the law when a collection has been verified as accurate on my report and the original creditor was deleted for fraud IN THE SAME INVESTIGATION? I have attached all documentation referenced above along with a screenshot of my phone call with Transunion.

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