Consumer complaint received 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report XXXX XXXX Police department XXXX ). The police report contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from XXXX. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

This derogatory account showed up on my credit file on XXXX XXXX for a rental/leasing named XXXX. During this time, I was living in a rental agreement with another rental/leasing named XXXX from XXXX XXXX, XXXX until XXXX XXXX, XXXX XXXX lease agreement attached ) and returned the apartment in good standing. Prior to that, I was living at XXXX XXXX XXXX from XXXX XXXX until XXXX XXXX XXXX a copy of that lease is also attached ) I wrote to the collection XXXX XXXX XXXX XXXX requesting validation and received no response. Also the amount on this account is different from the monthly rent which is stated on the lease agreement attached. 

I have escalated to TransUnion the fraud cause to me and lack of validation by the collection agency with no success. Every time, TransUnion repeated the process of re-investigating the account to later stating that they verify the account failing to correct the reporting error of this account. The only verification TransUnion has done is verify my name and the debt amount allege by the collection agency which is inaccurate and false. Following the FCRA, TransUnion needs to perform a reasonable investigation of this allegation ensuring that it is accurate and complete, and all they did was verify the name and debt amount which was provided to them by the collection agency. This verification is not sufficient and is a direct violation of the FCRA. This account was placed on my credit file in error. This account is mistakenly on my credit file and needs to be removed. 

summaryXXXX ) this account is mistakenly on my credit file and needs to be removed. 
XXXX XXXX the collection agency failed to validate the account within the require time frameXXXX ) I was living at a different rental/leasing and was currently under a lease when this account showed up on my credit file. The amount of debt is different from the amount stated on the lease. 
XXXX XXXX TransUnion failed to properly investigate and/or correct the problem. 


-On report XXXX - After an allege investigation I received a responce from TransUnion VERIFIED, NO CHANGE yet this account is mistakenly reported on my credit file. 
-on CFPB case XXXX TransUnion respond that they will not reinvestigate this item, still reporting an error on my credit file. 



Again, I have been caused a lot of harm due to my tenant taking my identity and using my identity which has caused a lot of harm to me. On this case, my leased rental property was XXXX, and this allegation is for a rental property named XXXX as stated on the credit report and was claimed while I was in the middle of a rental lease. I tried to reach out to this collection agency and they failed to validate this account and TransUnion is reporting this account on my credit file in error, even though I have escalated and provided evidence that this account is not mines, TransUnion repeatedly delays the process of correcting this mistake. 
attach : - Federal Trade Commision - Case XXXX Police Report XXXX Lease from Century- Prior lease from XXXX XXXX XXXX Letters to Trans Union- Credit Report with Trans Union responce.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation