Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I had no clue there was anything being reported on my Credit Report until I tried to apply for a apartment. I have never had credit or tried to apply for anything until now. TransUnion has been reporting negative inaccurate information in my credit file. I thought upon doing further research that I could reach out to them and get these things removed. Well that is not the case at all. They have had a security glitch in which I have been affected I have no clue to whom these companies are, I 've been disputing with this company for over 2 months to get this information removed and they refuse. I have asked them to remove any names and addresses that I have not provided due to false information reported on my credit report. I have also asked them to remove inquiries that are not mine permanently. They stated that the information was verified and it belongs to me which I do n't understand because if they have verification then why have n't they sent me copies of it? I have ask for a investigation and documentation in a timely manner. I have called, emailed, mailed and faxed. And still being ignored with no verification or documentation. Under the Fair Credit Reporting Act, If the consumer disputes anything and it ca n't be verified within 30 days, Then it must be removed. I did not authorize anyone employed by these companies to view my credit reports. The letters they have sent to me claim to have 'verified ' this information '', but this is in fact not true under law. It has been past 45 days and nothing. Now I will be suing TransUnion as well as anyone on my credit report with false inquiries for causing me damages such as denial of credit, denial of renting and increased insurance premiums.I should not have to be inspector gadget to try to track people down and figure out where these false thing on my credit report came from.I can not even buy a house right now if I wanted to. I have provided more than sufficient evidence to get these false inquires and names and addresses removed. Such as a copy of my State Issued Id and Social Security Card in addition to a Utility bill in my name verifying my address. Since then not only have they not added my correct information to my credit report per my request but they added XXXX more inquires as if I gave someone permission to do so. They have actually replaced my name as a whole different name. I have filed this complaint with TransUnion in hopes of them actually being an company with integrity and reporting accurately. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against TransUnion and XXXX, XXXX, XXXX, Tenant Check on my credit report for violation of the Fair Credit Reporting Act and Defamation. This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. It is not ok to blow people off and effect there lives in a negative way this is my personal information and if they have access to it. Then it should be reported accurately. My name is XXXX XXXX XXXX my soc is XXXX and my address is XXXX XXXX XXXX XXXX XXXX FL XXXX that is the only information that should reflect on my credit reports.

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