Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX, XXXX XXXX XXXX, a collections company, whom I have NEVER done business with nor have I ever had an account with, has been reporting a Debt Buyer Account on my XXXX credit report an amount of {$410.00}. I have disputed this account with XXXX and was told by them that they verified this account as being mine, which it 's not. As instructed on the XXXX investigation report, I have called XXXX at the number provided on the credit report numerous times to dispute this matter using the account number provided by XXXX which appears on the investigation report. For my own protection, I am refusing to give XXXX any additional information -- especially my SS # to a collection company in the event they make any additional inquiries which ought also need to be removed from my credit profile. Although I provided XXXX with the account number, my name and address to verify my identity to them as it appears on my XXXX report to identify myself as the person disputing the erroneous and damaging information they are reporting on credit profile, XXXX refuses to discuss this account with me because I refuse to give them the last 4 digits of my Social Security number, citing privacy protection. After their many attempts to justify their reason of needing my social security number to identify me they used one of their internal systems to access my name and number through their system and asked me to confirm the last four digits of my SS # which the agent named " XXXX '' said she had my full social security number in front of her as proof that XXXX performed an UNAUTHORIZED CREDIT CHECK which appears on my credit report and have not provided any information besides stating a DEBT BUYER ACCOUNT. I told XXXX, I knew my rights under FCRA and by providing a company issued account number, that I did n't have to provide my SS # as reasonable ID -- particularly to a DEBT COLLECTOR speaking on a RECORDED LINE ; who would ultimately use my information in their own pursuit of debt collection activities. Also, inany of my disputes neither XXXX nor XXXX has provided any additional information to me such as a statement or contract to indicate the origin of this collection debt, to resolve this matter, since I have never had any dealings at all with XXXX, no contracts, no signed agreements, no nothing. On XX/XX/XXXX, I applied for an apartment and my application came back saying I had to provide an additional {$720.00} Security deposit because XXXX has placed this on my credit report -- fraudulently and illegally. This is even more frustrating because they say date of first delinquency is in XX/XX/XXXX, date opened, XX/XX/XXXX and have been reporting this since XX/XX/XXXX, creating numerous erroneous inquiries among my other credit reports ( i.e. Transunion, XXXX XXXX XXXX  XXXX ), as well. I pray you can help me get this sorted out. Thank you.

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