Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear to whom it may concern, My name is **XXXX XXXXXXXX XXXX The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to Transunion, XXXX and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address **Address** XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX All of these address are incorrect. My current address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have attached proofs of this address in the attachments below. 
**Employments info** XXXX XXXX XXXX XXXX These employments are not belong to me and out business so please delete it. 
**Credit Card** XXXX XXXX  XXXX Reported XXXX XX/XX/2020 This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information I notice that all the collection are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. 
***VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report ***VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 
***VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures ***VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification

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