Consumer complaint received 2021-01-27
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: Account information incorrect

Complaint:
Transunion - XXXX XXXX XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a credit card with XXXX nor was I aware that an account was ever opened in my name. I've already attempted to reach XXXX - please see the documents attached. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with them. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX/XXXX  is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a credit card with XXXX nor was I aware that an account was ever opened in my name. I've already attempted to reach XXXX - please see the documents attached. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with them. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX/XXXX  credit card is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a credit card with XXXX nor was I aware that an account was ever opened in my name. I've already attempted to reach XXXX - please see the documents attached. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with them. In accordance with FCRA Section XXXX I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX is reporting a tradeline account to my consumer credit file. I learned that the loans are for a school by the name of XXXX University. XXXX University was closed - shut down due to fraud. By continuing to report a tradeline with derogatory marks XXXX XXXX is in violation of the FCRA. I did not authorize any student loans to be paid to XXXX University through XXXX XXXX. Thus any and all activity on this account is fraud.

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