Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was in the process of getting government clearance with a defense agency and through that process found out that I had a few credit reporting errors on my account. I 've since been trying to work through Transunion to correct the errors. 

1. A house lean on a home that predated my birth. It was from XXXX, and I was born in XXXX. The social security number was also incorrect which is how I eventually got it off my credit report, but it does n't make sense how it ended up on my report in the first place. 

2. XXXX : an outstanding bill with this company was also placed on my credit report. I called the company and after proving to them my name and social was different than what they had on file they sent a letter releasing me from the bill. 

3XXXX XXXX XXXX XXXX & XXXX : XXXX I had to call and prove the account was n't mine. XXXX & XXXX the debt collector sent me a letter saying the debt was n't mine and I sent it to Transunion in XXXX but it 's late XXXX now and it still has n't been removed from my credit report. 

4. XXXX : My student loans are marked as delinquent on my credit report so I printed a document off the XXXX XXXX sites indicating my account was in good standing and mailed it to Transunion back in the middle of XXXX but they still have yet to correct the error. I opened a dispute for this account and was told it would take 48 hours for XXXX XXXX to be told about the dispute and after a week XXXX XXXX still did n't receive a notice. The reps I spoke to for XXXX XXXX told me that they send out a notice of good standing at the end of each month so I thought XXXX XXXX would correct the error on my credit report and the dispute could close but after the date I called Transunion and they claimed they had n't received the notice while XXXX XXXX told me they sent it out. 

In 3 of these 4 errors, the name, address, and social security do not match mine so it makes no sense why they were attributed to my credit report. These errors have lowered my credit score, made it impossible for me to complete my government clearance, and kept me from taking out a business loan to start a family business venture. It seems to be gross incompetence and Transunion makes the process even harder with antiquated policies such as no email and only sending out/receiving communications through fax or mail. I faxed them twice sensitive information to prove these claims to be incorrect. The first time I called each day for 5 straight business days ( it takes them up to 5 business days to process faxes ) and at the end of waiting 7 business days and seeing they still had n't received it I had to fax the information again. I 'm confident I sent it to the correct fax number as well. The 2nd time they received the documents after 5 business days and it 's been 2 weeks and each day I call they still have n't come to a final decision. I call each day because the only other way I 'd find out their decision is by receiving a mailed document from them which I 'll receive 5-7 business days after they come to the final decision. The end date should be XXXX XXXX at the latest but again I would n't know until 5-7 buisness days afterwards. 

It truly makes no sense how such a vital part of people 's lives has such antiquated practices. I 've been in this process since XXXX XXXX. 

My file number for my dispute is File # XXXX. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I was born XXXX XXXX XXXX.

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