Consumer complaint received 2022-03-14
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:
On XX/XX/2022, USPS tracking number XXXX, I mailed TRANSUNION a handwritten letter, appropriate proof of the identity and some FTC reports due to incorrect items on the file they have on me, XXXX XXXX a consumer in fact. This is now the 5th time that I have mailed in letters and FTC reports addressing this issue with either no response or a generic response. The latest response claims that the letter and reports I sent did not come from me and therefore they took no action. I am not sure how TRANSUNION can make that determination considering I sent in appropriate proof of my identity, hand wrote the letter myself, I have sent them the FTC reports several times, and they did nothing to verify that the letter was not sent from me. According to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given any permissible purpose to report my personal dealings with any other sources. TRANSUNION or any other consumer reporting agency for that matter These accounts have been affecting me for a few years and Ive tried several times to address this matter with TRANSUNION to no avail. As a victim of identity theft, I filed a report with the FTC sent it in to the appropriate consumer reporting agencies ; TRANSUNION took no action once these reports were received on XX/XX/2022. According to 15 U.S. Code 1681c2 ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ''. I have been denied multiple times due to this inaccurate reporting by TRANSUNION. Furthermore, I explained to them that according to 15 USC 1681b ( 6 ) since TRANSUNION, XXXX, & XXXX operate nationwide, they should have removed the accounts and alerted one another in order to keep accuracy on all reports and comply with this law. The hardship this has brought to me, and my family cant be explained in words, but I am making that attempt now. I have no confidence nor trust in TRANSUNION as they have willfully and knowingly kept reporting these inaccuracies as stated in 15 USC 1681n. the Fair Credit Reporting Act states that the banking system is dependent on accurate reporting and TRANSUNION is not exercising its grave responsibility to me a consumer and is not being equitable by its continuation of reporting inaccuracies. the accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and incorrect personal information, I have filed a new FTC report to go along with this complaint as well.

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 non-monetary relief