Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TransUnion has information in my credit report that is not correct due to their linking another individuals derogatory credit with mine. I have made numerous attempts to get this issue resolved. I am continually told by TransUnion that they can not remove the disputed, derogatory items ; even after I have disputed the items several times and have given TransUnion the correct information. This was done some years ago and they have once again created the same issue. TransUnion has sent the individuals information to my address as I am certain the individual has been sent my information. This has caused a very negative situation for me on my credit record and is indeed creating issues in every aspect. This individual has many, many collections against them. This individual has not been a responsible creditor. I have always handled my credit responsibly. 
I have also found out that this person is linked to my XXXX XXXX XXXX ; causing false reports about accidents for my vehicle with XXXX. I have requested to speak to supervisors and continue to be told the file is being sent to maintenance to get the issues resolved. I was also promised someone would send me information or a call back. I have yet to hear from anyone, unless I initiate the call. The individual that is linked with my credit lives in XXXX, NC. I live in XXXX, NC. We have some similar information, yet there are many differences that should be distinguishing. 
On XX/XX/2018, I spoke with XXXX XXXX who stated that the file had been sent to maintenance for investigation ; I was instructed to call back XX/XX/XXXX. I called again XX/XX/2018, this time speaking to another supervisor, XXXX, who promised to follow the issue until resolved and personally call me back. XXXX said she saw what the problem was and understood my frustrations. I never heard anything more from XXXX. On XX/XX/2018, I spoke to XXXX, who stated the file was being sent to maintenance. 
XX/XX/2018, I called each of the disputed creditors and was told by each one that they had nothing on me ; my name nor social security number was not in their database. I was told that this was an error on TransUnions part and they would have to correct it. I was also told that TransUnion was not going to call the creditors ; they would just send the information that was disputed. TransUnion has continually sent the information attached to my name without separating the names causing the disputed bills to remain linked to me. 
XX/XX/2018, I spoke to another supervisor who stated there was nothing that could be done to remove the information until the investigation was complete and the reporting companies okayed the removal of the disputed items. I informed the supervisor that I had spoken to each of the reporting agencies and their responses, yet to no avail. I will send documents that will reference all of the above. Hopefully, the dates and documentation is visible.

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