Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This complaint is in regard to TRANSUNION not meeting the requirements for having reasonable procedures that is necessary for meeting the everyday needs of commerce, specifically in its initial investigation of furnisher information on consumer reports. TRANSUNION has allowed the furnishing of inaccurate, unfair, and unequitable information on my consumer report which is not in accordance with the requirements of title 15 U.S. Code 1681. 
I have disputed this XXXX XXXXXXXX account several times, and it has not been deleted because TRANSUNION responded that it was verified. How? TRANSUNION does not have a process of investigation that can assure maximum possible accuracy as required by the FCRA? I intend to show how Transunions method of investigation is unreliable, partial, and unfair to me the consumer. 
In my last dispute with XXXX XXXX, XXXX XXXX alleges that they verified that I was the one that opened the account ending in XXXX, even though I sent them an affidavit of truth under the penalties of perjury along with an ftc report for identity theft, see Exhibit A. Their response to me was that the account was opened with a phone application. XXXX XXXX claims it conducted an investigation confirming that this account was opened with a phone application. Any reasonable person, can conclude that you can not confirm the true identity of a person through a phone application. This should be sufficient evidence to conclude that they can not verify that I was the one that opened the account. They claim that the information used to open that account was a number listed that is not associated with me. They also, stated that they believed, that this account belongs to me ( belief does not constitute fact ). See Exhibit B. Furthermore, I dont know who is representing XXXX  XXXX stating that that this account belongs to me. Who are they? Were they there? Do they have firsthand knowledge? How can someone accuse me of an alleged debt that they never verified with me? 
When I initially disputed this account TRANSUNION declined to block the information because they claimed to reasonably determine that I obtained goods, services, or money from this account. I want to know who this TRANSUNION is. HOW CAN A CORPORATION REASON OR DETERMINE? Who is this person conspiring against me? If I the natural person, consumer am telling you that I am the victim of identity theft, where is your witness, a competent natural person to rebut my statement? There is none. 
If TRANSUNION decides to not block this account again, the agent who is reading this and the XXXX XXXX XXXX must swear under the penalties of perjury that they have firsthand knowledge and can testify that this alleged account belongs to me. To further prove my case, I will be filing a court action for a void judgement for improper service and fraud. The agent who claimed to have served me on behalf of XXXX XXXX, created a fictitious person claiming to be my mother, with a fictitious name and description, see Exhibit B. I am the victim here because everyone is taking equity from my report but me. 
This account on my consumer report has made it difficult to take care of myself, my family and to have a normal livelihood. I am consistently being denied for credit because of this account. As a result, I can not obtain employment, I can not obtain a decent place to stay because everyone thinks I dont pay my bills and it has caused extreme emotional distress and pain. I cant even afford medical care because no one will extend me credit. Someone has to pay for my emotional distress and monetary damages. 
After this discovery that I have given TRANSUNION, if TRANSUNION does not block delete this account from my consumer report, I will add TRANSUNION as a defendant with XXXX  XXXX for civil and criminal liability. However, because I have already been injured by TRANSUNION for willful noncompliance, and negligent noncompliance, I will allow the following remedy without adding them as a defendant.

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