Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After years of not looking at my credit or utilizing it in any way, I had decided to purchase a home for my family. I knew my credit would play a factor in my ability to purchase a home. I went ahead and pulled my TransUnion credit report only to find out I had been a victim of identity theft and there were fraudulent accounts reporting on my consumer report without my knowledge, consent, or authorization. Over the past several months, I have initiated disputes with TransUnion to handle this situation and remove the accounts as they are fraudulent and un-belonging to me. I have asked for validation of debt, original contract with my wet-ink signature, every statement from the opening of the fraudulent account to the supposed closure date. I also asked for day, time, location, and method of credit account opening for these fraudulent accounts, all of which the furnishers of these fraudulent accounts being XXXX XXXX XXXXXXXX and XXXXXXXX XXXX have not provided since I started the dispute process almost a year ago. They have not sent any correspondence via mail with validation of debt or that it belonged to me, yet TransUnion blindly continued reporting the account as accurate knowing I placed fraud alerts on my consumer report and that I was a victim of identity theft as mentioned several times over multiple disputes. After realizing TransUnion was not investigating properly, my attorney advised that I complete an identity theft police report mentioning the two fraudulently opened charge-off accounts by XXXX XXXX XXXXXXXX and XXXXXXXX XXXX and that TransUnion, according to the law, must remove the accounts that were involved in identity theft and subsequently block any attempt from XXXX XXXX XXXXXXXX or XXXXXXXX XXXX to re-report the fraudulent accounts under my name and social security number. So I went ahead and filed the identity theft police report and mentioning both the XXXX XXXX XXXX and XXXXXXXX XXXX fraudulent accounts. As TransUnion has not sent me any correspondence or consumer reports after many disputes, I attached a credit report from XXXX that lists the same two accounts and is reported fraudulently just as TransUnion is. I ask that the CFPB force TransUnion to abide by the law and remove both fraudulent accounts from my TransUnion credit report and update my consumer report to reflect the changes of the removals of both fraudulent charge-off accounts by XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX TransUnion has turned a blind eye on disputes updating them as accurate without properly investigating or ensuring that XXXX XXXX XXXXXXXX and XXXXXXXX XXXX thoroughly review and investigate my valid disputes. I will attach all documentation I have including a submitted identity theft police report, an approved identity theft police report, my California drivers license, my signed SSN card, a current credit card statement showing my only and current address as well as the account numbers of the two fraudulent accounts listed on my TransUnion consumer report, which can also be found on the attached police report with my XXXX credit report showing the same two fraudulent accounts.

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