Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
SmartMoves part of Transunion is recklessly reporting inaccurate personal information as to rent-worthiness to potential landlords without federal oversight regulations or accountability for profit. SmartMove part of Transunion required telephonic verification of my identity through their customer service phone number. I complied. I was asked a series of questions that were " directly from my current credit file ''. I was asked on my 1st attempt " what city and state does XXXX XXXX live in? ". This person for which I have had no direct affiliations with but, by happenstance, was my sibling 's former spouse that has not had any contact with me ( or any family members that I inquired with before filing ) of a period greater than 20 years. SmartMove then asked me another question regarding " what city I was most recently affiliated with? ". They referenced city names I'd absolutely no personal affiliation but one of the cities named was, however addressed in prior litigation ) with no reference to states that those cities were from such as XXXX. When I asked whether it was XXXX, XXXX or XXXX, XXXX or XXXX, XXXXXXXX, they said they wouldn't know but I could choose from the options given and see. I was also how much was the payment for my " currently active revolving credit account ''. I don't have an open, active revolving credit account nor have I ever had a credit card throughout my in entire XXXX  years of life to my best recollection. They allowed only 2 attempts before lock out with more strenuous steps was imposed. If this lockout occurs, that may take up to 3 weeks or more for any resolution and isn't negotiable in any way to state this information that they're referring to may have originated from incidents of identity theft or fraud. I ultimately and understandably failed every attempt at the completely unreliable, unreliable credit worthiness, accessment and summation of personal rental credit-worthiness, and background report questions that were, again, not current nor indicative in any way as to my personal credit usage throughout my lifetime. SmartMove blames Transunion and Transunion faults SmartMove ; neither entity able to give an account of the rationale for the misrepresentations of the " credit-worthiness and background check reports ''. This has far-reaching negative impact on my life, liberty, and civil freedoms to pursue suitable and safe housing and domicile as a direct result of their namely " comprehensive leasing recommendations '' and " tenant risk analysis '' by using erroneous, incorrect credit data and/or misrepresented consumer " income insights '' that reports to landlord and real estate lessors whether I earn more or less money yearly based on this erroneous, unfounded credit report information. 
I've been unable to find a home or place of domicile for a period greater than 1 month because the information understandably and rightfully can't be verified because it's wrong and no relation to me without remedy to correct it or answers readily-avaiable as to why it's there in their system but not on my credit report.

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