Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On the week of XX/XX/2020 i signed up for online monitoring and noticed TransUnion is reporting incorrect information on my behalf. I reached out to TransUnion for the first time via USPS certified mail with tracking number XXXX. 
TransUnion responded with a letter informing me they needed an additional 15 business days to investigate. Keep in mind TransUnion is reporting an incorrect name and is using my full legal name as an alias. There are accounts that have different names, social security numbers, and incorrect addresses that TransUnion " verified ''. I know that there has been no investigation conducted because i have been getting letters with different names and incorrect accounts. 
I mailed a copy of my drivers license, passport, social security card, and car lease statements with my correct mailing address and name. I asked TransUnion to update the information and remove all other incorrect names. Until today they have not removed or updated my personal information. This is the least they can do as humans. Today i received mail correspondence from TransUnion with an incorrect name but my social and d.o.b and in the letter TransUnion informed me that the information has been " verified ''. Who is verifying this information? Did TransUnion follow FCRA law and conduct an outside investigation? No. I asked for documents that i am legally entitled to for verification and TransUnion could not even find a single document linking me to these accounts In addition TransUnion is reporting incorrect credit limits, incorrect comments, and monthly payments on closed accounts. Is this against the law? Yes and TransUnion needs to be fined {$1000.00} for each account they are reporting incorrectly on my behalf. 
I ask TransUnion to delete all the incorrect information off my credit report and correct my personal information. I do not want a response unless it's parallel with the FCRA. You can not " update '' a fraudulent account because it is not 100 % correct and therefore according to FCRA TransUnion is not allowed to report this account and must delete it. Is this information is not deleted from my credit profile i will pursue a lawsuit against TransUnion and provide all the documentation i have against TransUnion. 

I have provided the documentation against TransUnion to the attorney general of Texas and i'm going to begin the process of paperwork for my lawsuit against TransUnion if this information is not deleted from my credit report immediately. 

If you conducted an investigation outside of you company ( which you are legally obligated to ) then i would like all the information i asked for. The original signed contract with a list of how you conducted your investigation outside of TransUnion? Whom did you speak to? How was the information verified? via email? mail? phone call? Who is the individual that provided the original signed contract to you? Why was i not mailed a copy of the requested documents? 

Why is TransUnion reporting an incorrect name and linking accounts with incorrect names to my credit profile? I have mailed a copy of my drivers license with my current address, passport, social security card, and a statement of my lease with a matching address. You have all the information you need and you choose to play games with me and send me falsified investigation claims that both you and i know did not happen. Maybe in an alternate universe but not here on planet earth. 

I resent all these documents to TransUnion again with USPS tracking number XXXX just incase you misplaced them.

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