Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX MT XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION TRANSUNION, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Social Security Number : XXXXXXXX XXXX : Social Security Number : XXXX To Whom It XXXX Concern : This letter is in response to your recent claim that [ XXXXXXXX XXXX XXXX XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX ( XXXX ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX  XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within XXXX  days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office I HAVE RECENTLY BEEN DISPUTING FRAUDULENT LOAN ACCOUNTS THAT ARE MY TRANSUNION CREDIT REPORT AND THESE UNAUTHORIZED LOANS ARE STOPPING ME FROM BUYING A HOUSE FOR MY FAMILY ALONG WITH CAUSING MAJOR DISTRAUGHT I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE FILED MY FTC REPORT ALONG WITH MY POLICE AND I HAVE SENT ALL OF THESE DOCUMENTS AND THEY ARE ALL DOCUMENTED AND ON FILE AND THESE FRAUDULENT ACCOUNTS ARE STILL COMING BACK VERIFIED AND I DONT UNDERSTAND WHY ACCORDING TO THE FAIR CREDIT REPORTING ACT THESE ILLEGAL FRAUDULENT UNAUTHORIZED ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FOR I HAVE TAKEN LEGAL ACTION WITH MY ATTORNEY TO ASSIST IN MAKING SURE THAT TRANSUNION FOLLOWS THE GUIDELINES OF THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX XXXXXXXX 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