Consumer complaint received 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Trans Union is listing erroneous and fraudulent information on my credit report. I have written Trans Union before and sent them the original documentation, that proves the information they have listed in my credit file is fraudulent. Trans Union has XXXX name listed on my credit report that is not mine. Trans Union has XXXX account listed on my credit report that is not mine. Trans Union has XXXX addresses listed on my credit report, that I have never lived at. Trans Union has XXXX telephone numbers listed on my credit report that are not mine. 

I have wrote Trans Union before and sent them the original documentation by mail, showing this information is fraudulent and erroneous ; but Trans Union will not remove this fraudulent information. Again I sent Trans Union the documentation that proves that this erroneous and fraudulent information should not be listed on my credit report, and asked them to remove it. But, Trans Union will not remove it. I am so frustrated and need help! 

Fraudulent and erroneous Information listed on my credit report that needs to be removed XXXX. Name : XXXX XXXX. Not my name, needs to be removed. My name is XXXX XXXX XXXX. Fraudulent Addresses : A. XXXX. Never lived here B. XXXX. Never lived here C. XXXX. Never lived here D. 16 XXXX. Never lived here 3. Fraudulent Telephone Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Not my phone number. 

4. Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX. Account Number : XXXX I wrote this creditor XX/XX/2016 and requested documents, contracts or agreements with my signature showing that I owe them monies. They never responded and they had 30 days from receipt of letter to send to me. Nothing, they sent nothing. But Trans Union somehow " verify '' this item as belonging to me. So XX/XX/2016. I request the same documents from the alleged creditor again, still no documents sent to me. So XX/XX/2016. I mail dispute to Trans Union again, and also asked them for copies of documentation they have, that they are using to " verify this account '', since the alleged creditor does n't have any contracts or agreement with my signature on them. Because by law, the alleged creditor is supposed to send me a copy, if I request it. If not the alleged creditor has violated the FCRA. Trans Union, sent me no documentation either when I requested it from them and Trans Union " verify the account again ''. Trans Union is not giving me a proper investigation and Trans Union is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know a consumer 's credit report must be 100 % accurate, my credit report is not and Trans Union is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.

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