Consumer complaint received 2020-03-05
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:
My social security number is being used by XXXX without my approval or permission on my Father 's account. I have met with them personally and they agree that the social security number they are using is mine and that it's incorrectly being used on my Father 's account. I am not a XXXX customer nor have I ever been one. 

My name is XXXX XXXX XXXX. My Father 's name is XXXX XXXX XXXX. 

As a result of this error, my credit rating is falling creating serious problems with me receiving credit. 

In XXXX of 2019 I flew from XXXX Texas to XXXX Washington specifically to address this issue in person. I was told on the phone that I had to deal with this matter in person. 

I met with the following person : XXXX ( XXXX ) XXXX XXXX XXXX   Consultant XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Office : XXXX XXXX I explained the error and they looked up the account to confirm that my SSN was being used for my Father 's account. They asked me to provide a copy of my SSN to them. 

Upon returning home, I scanned a copy of my SSN and e-mailed it to them.I recieved the following response : Hello XXXX, Thank you for providing your social card and I apologize for late response. I just came back from my vacation and received response from our back office while I was gone. Unfortunately, we can not do any further action for the credit card account unless the signer ( s ), who signed on the credit card application when they first opened the account, visit a near XXXX branch to close the credit card account. This is prohibited to discuss you regarding the credit card account and has high privacy risk for the signer ( s ). I highly suggest you to contact your father to discuss about this situation and ask to close the credit card account. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Consultant XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Office : XXXX XXXX XXXX This states that unless my father comes into XXXX and changes the SSN, there is nothing they can do. I am not in contact with my Father and this was not my error. This is XXXX responsibility to fix this problem. 

I did my best to reach out to my Father and ask him to go to XXXX and resolve this issue however, again I am estranged from him and did not get a response. He's also XXXX years old and in poor health. 

In XXXX, I received the following e-mail : Hello XXXX, I just received another email that we might be able to remove your SSN from your fathers account. In order to proceed this, I need your fathers SSN. I couldnt contact him with the contact phone number on our system. Could I ask you if you have any other contact phone number that I can reach out to him? Thank you. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX  XXXX  Consultant XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Office : XXXX XXXX XXXX I don't know my Father 's SSN and have no reliable way to contact him. I provided them with the most current contact information I had and have not heard back from XXXX. 

Furthermore, this error has had a serious impact on my Transunion and XXXX credit score. I contacted both organization and XXXX researched the issue and realized the error and immediately correct it. Transunion however will not and has not made the correction as XXXX is still reporting this account as mine. 

This error is creating a serious financial hardship. I have been ignored by XXXX and left to solve this matter on my own when it is XXXX that is using my SSN in error and admits to doing so.

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