Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 I sent a notarized Affidavit of Erroneous Information ( USPS tracking # XXXX ) to the Transunion credit bureau demanding that the following collections account be deleted from my credit report, denying any responsibility for the debt : XXXX XXXX XXXX ACCT. # XXXX I requested that Transunion verify the account as accurate with a contract or negotiable instrument bearing my signature which would validate XXXX  claim. I also requested that the following hard inquiries be deleted from my report unless the entities could provide permissible purpose, proof that I initiated the inquiries and written authorization : XXXXXXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX via XXXX In the affidavit, I also requested a report of Transunions procedure used to verify and validate the above referenced erroneous entries in the event that they werent deleted per my request and on what legal grounds they were basing such a decision, according to FCRA 611. 
Transunion responded in a letter dated XX/XX/2022 that the items were verified as accurate and would remain on my credit report. The XXXX account was not validated with a written contract or negotiable instrument bearing my signature, nor were the hard entries validated with written authorization. Nor was a report of the procedure Transunion used to validate the information as accurate forthcoming. 
On XXXX XXXX I submitted an Identity Theft report to the XXXX, AZ police department referencing the disputed entries above. I sent the police report, a notarized Affidavit of Identity Theft, a cover letter demanding that the entries be deleted or blocked from my credit report according to the FCRA and copies of my drivers license and SS card to Transunion on XX/XX/2022 ( USPS tracking # XXXX ). 
In a letter dated XXXX XXXX Transunion responded by saying that the document submitted does not appear to be a copy of an official, valid law enforcement report that we can accept as an Identity Theft report. And how would they know that? Or dismiss it as invalid, especially considering the notarized affidavits sworn under oath that preceded/accompanied my identity theft report? Also, what have the data furnishers whose claims I am disputing provided to validate their claims? Nothing. 
In numerous phone calls to Transunion since this dispute process started, their agents have informed me that they are simply data collectors and reporters bound by the laws of the FCRA and that their reporting responsibilities are thus limited. They were in possession of no written evidence that the disputed entries were mine, nor had the data furnishers provided such. Nor have they given me a written report describing the procedure used or on what legal grounds they continue to report fraudulent information on my credit report. 
In reality, Transunions reporting prejudice is for the corporate data furnishers, from whom they require little evidence to validate their claims, while all the while ignoring the FCRA and the principles of contract law. In turn, they leave the burden of accurate data furnishing, with considerable resistance, to the real victims of this fraud ; the consumer. 
By my estimation Transunion is guilty of the following violations of the FCRA concerning this matter : 1.Failure to properly verify disputed information.

2.Failure to promptly delete unvalidated information.

3. Publishing and continuing to report the resultant fraudulent information.

4.Failure to disclose the method used to validate disputed information, as requested in my first affidavit.

5. Failure to block/delete information reported as Identity theft.

6. Stealing my identity and using it as leverage/gain to promote the agenda of fraudulent corporate data furnishers.

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