Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX I have been attempting through various methods to have an account that was the result of identity theft removed from my Transunion report. The account was briefly removed but the original creditor, XXXX XXXX, requested that Transunion put it back. I just spent an hour on the phone with your customer service and a supervisor trying to once again get this straightened out to no avail. 

I sent my affidavit of fraud once again via certified mail on XX/XX/XXXX ( USPS XXXX ). It was received at your XXXX PA location on XX/XX/XXXX. Upon speaking to your offices this morning, I was informed that there was a new investigation filed. There should be no investigation. Once the Affidavit of Fraud is submitted, the information is to be permanently blocked according to the Fair Credit Reporting Act. The supervisor, XXXX, told me that Transunion has no power to remove an account. If the creditor requests that it be added back that Transunion has to add the account back. She also informed me that Transunion does not need to see any proof or documentation which I know to not be correct because federal law states that you must report accurately. How can you ensure that you are reporting accurately with no proof that an account belongs to a consumer? Her only suggestion was to go back to the original creditor who have already informed me that they have no original contracts that prove the account belongs to me. The supervisor also mentioned XXXX which is known to be inaccurate, is not considered a reasonable investigation, is not acceptable as to your company doing its due diligence and there is case law against using XXXX  for investigations. 
************************************************************************************************ ( 1 ) This is a closed account that is reporting a credit limit, closed accounts should not show a credit limit. Factual Error ( 2 ) You are reporting late payments years after the closed/charged off date. How can I be late if the account is closed? Factual Error ( 3 ) This account was removed from my Equifax report last year and re-added without the required 5 day notification which is required by law FCRA Violation ( 4 ) I was told by XXXX XXXX XXXX that they could not provide me with physical documentation PROVING the account is mine. How are you keeping an item on my credit without having evidence that it belongs there. You are obligated by law to report only factual information. You can not report factual information without having documentation which I have already been told by the original creditor does not exist FCRA Violation ************************************************************************************************ I ask that this information be permanently removed from my file without the ability to reinsert it simply because the original creditor asks. If this issue can not be resolved in the next 30 days I will seek damages in small claims court including but not limited to defamation, and any monetary amount allowed under the FCRA.

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