davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX XX/XX/2023 ; XXXX  XX/XX/2023.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MD)

XXXX XXXX XXXX - XX/XX/2023 - {$290.00} Based on : 15 U.S. 1666b - Timing of payments AND 15 U.S. 1681a - Definitions - 2. Exclusions ( A ) i. 
It is my understanding that this information should not be shared publicly.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 2nd complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX  Balance : {$620.00} XXXX XXXX XXXX  Balance : {$8000.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

In XXXX of 2022, my partner and I moved out from our apartment, owned by XXXX XXXX  ( Of XXXX XXXX ). A week or two later, we were presented with a sheet informing of us the " damages '' done to the apartment, the flat costs for these fees.

We disputed this with the rental agency and asked for receipts of the cleaning fees and other such fees they directly paid, as is outlined by Nebraska Law. Specifically, Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

Myself and my partner have both submitted disputes with all three credit bureaus regarding the illegal debt trying to be collected by XXXX XXXX XXXX XXXX. This has thus far been removed on both of our XXXX and XXXX reports, as the debt has no legal basis in the State of Nebraska, but still remains on both of our Equifax reports. If the majority of credit bureaus have already ruled that this debt is illegal in the State of Nebraska, as outlined by the law above, why does Equifax see fit to keep this illegal record on our credit reports? 

Additionally, XXXX XXXX XXXX claims this debt on behalf of XXXX XXXX. We didn't rent from XXXX XXXX, we rented from XXXX XXXX. Second, how could the date of first delinquency for this account be XX/XX/2022, when that was our move-out date? How could it possibly be owed that same day, without first getting quotes from cleaning crews, repairs, etc, if necessary? Receipts that we are owed by law? Thirdly, when we sent a certified letter to XXXX XXXX XXXX and they responded to us, without the verification of debt, asking us to call them for further questions. They violated the law, blatantly. Under the FDCPA, a collector must provide you with the information requested about the debt. NONE of that was ever provided to us by XXXX XXXX XXXX. They have failed, at every step of the way. They list the wrong residence company as the " original debtor '' on a debt not valid under Nebraska law, with the wrong first delinquency date, and violate the law while doing so. 

We have both disputed this directly with Equifax, XXXX, and XXXX. It only remains on our Equifax account, as it was " verified '' by XXXX XXXX XXXX. Short of the receipts we were legally entitled to, which they never provided in the timeframe necessary for this debt to have any validity, which was never provided after repeated attempts at contacting BOTH XXXX XXXX and XXXX XXXX XXXX for proof of debt.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As of XX/XX/2018, my fiancs and I have been harassed at our home by people claiming to own our home or XXXX XXXX XXXX Owns the home. We have filed a fraud alert or my account a few months ago. Since then we have had our phone hacked with random people pretending to be an agent from our various accounts and Spoofing. Like XXXX, XXXX, XXXX XXXX  Cards, Light bill, Water Bill, XXXX and more. Hackers on our phone line asking us for our full social Security numbers or personal unrelated information. I called my house the other day and some strange man answered the phone as well as other hackers. Now my three credit reports have been compromised. There have been several changes to my date of birth, address from home to apartment or reporting accounts that are not mines that are delinquent account. My name is XXXX XXXX XXXX and other names have been reported like XXXX XXXX XXXX, XXXX XXXX XXXX, or just plain XXXX XXXX. Im also not receiving my mail, and someone has changed my address and rerouted the mail. XXXX   has removed XXXX XXXX XXXX as a fraud account. However Experian has XXXX  XXXX XXXX on my credit report still after multiple disputes made to their fraud department. 

On XX/XX/2018 I noticed that Experian has deleted my Social security from my credit report. I would like to have someone investigate because Im afraid my identity is being stolen and lose my home due to Fraud. I have some police reports as well. This harassment has happened thru the whole month of XX/XX/2018. These incidences include several other 's involved as well. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NV)

U.S. BANK EMPLOYEES, DEEMED TO BE MANIPULATING FINANCIAL SCAMS ACTIVITY WITH OUR CHECKING ACCOUNT. AS FAR AS RE-CHARGING, OR REINSERTING SOME OF THE ITEMS BEEN ALREADY PAID FOR WITH OUR ACCOUNT, ACCORDING TO STATEMENT. ALSO ; PAYMENT MADE DEEM CHARGING US FOR OVERDRAFT ON CHECK PAYMENT WAS SENT OUT ON XX/XX/2018 CHECK # XXXX AMOUNT {$1700.00}. AND ; MY RETIREMENT PENSION DEPOSIT ALWAYS IN ON XX/XX/XXXX OF EACH MONTHS AT XXXX. WHICH I FELT LIKE NEXT DAY TRANSACTION SHOULDN'T BE CHARGED FOR OVERDRAFT PERHAPS. FOR THE FIRST TIME THIS EVER HAPPENED. ALSO ; MY WIFE WENT TO U.S. BANK TO CASH OUR CHECK FROM XXXX. MY PENSION INCREASING. AND THE EMPLOYEES PUT IT IN AS A DEPOSIT, INSTEAD OF CASHING IT. DEVIOUS ACTIVITY IN TERMS OF BRINGING CONSTERNATION, MANIPULATION ACTIVITY. TO FINAGLE US WITH OUR CHECKING ACCOUNT, OBVIOUSLY. MANIPULATION ACTIVITY U.S. BANK ARE DOING ARE EXTREMELY DEVIOUS TOWARD MANIPULATION IN ORDER TO SATISFY THEIR FINAGLE ACTIVITY WITH US, AS WE ARE SENIORS CITIZENS OF THE UNITED STATES OF AMERICA. THIS MUST BE STRICTLY SCRUTINIZE FOR FRAUD ACTS, AND ACTIVITY. MUST NOT TOLERATE ANY OF THESE TYPE OF MANIPULATION. AS WE DISCOVERED. HOW THE TOP GOVERNMENT DISHONEST, LIES ON SERIOUS MATTERS PERTAINING TO OUR FEDERAL GOVERNMENT AS A WHOLE. AND SOME PEOPLE, EMPLOYEES MIGHT TAKE ADVANTAGES OF WHAT THE LEFTIST LIBERAL ARE DOING TO OUR COUNTRY, AND, OUR GOVERNMENT EVILLY, DEVILISH LIAR, LIES, ETC. WE MUST EXTREMELY CAREFUL ABOUT. WILFUL FRAUDULENT SCHEMES ACTIVITIES LEADING OUR COUNTRY NOWADAYS ... WITHOUT DISCIPLINE AND PENALTY TAKE PLACE ... .NOTHING CAN BE ACCOMPLISHED IN TERMS OF REINFORCING AND ENFORCING OUR LAWS AND CONSTITUTION FOREMOST. & OUR RULE OF LAW ... SEMPER -- FIDELIS ... .XXXX ... .MOTTO ... ... FOR SECURITY.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX Account XXXX XXXXXXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX LAST 4 OF SSN : XXXX Credit Bureau Name : TRANSUNION Credit Bureau Address : XXXX XXXX XXXX, XXXX, PA XXXX Account # : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$660.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

Chase bank closed me accounts by sending me a letter, telling me they wanted to end their relationship with me and was closing my accounts. 
The letter said they would mail me funds in 1o business days. They did not do that. It has been over 30 days. When I call they give me NO reason for the closure and tell me the account is under review and investigation. However, I owe the bank nothing and they are holding {$35000.00} of mine without giving me any reason why their still holding my funds accept their still under review. This is totally unfair and not reasonable that they can just keep my money when there is no court order or legal authority that has put a hold on my funds. XXXX XXXX and XXXX XXXX told me they are holding my funds fo review, But is has been more than a resonable amount of time for this review and when I all XXXX with Chase Executive she tell me nothing when I ask repeatedly, " why are they holding my funds '' " what are they investigating '' She tells me she does not have a reason. this is crazy. I have no debt and never had any defaults with this bank and owe them nothing. See attached letter.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent my letter off XX/XX/2023 and i told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also i have attached the letter i sent out here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Dept of EDXXXX # XXXX ( should be showing never paid late ) XXXX. Dept of EDXXXX # XXXX should be showing never paid late 3. Dept of EDXXXX # XXXX should be showing never paid late 4. Dept of EDXXXX # XXXX should be showing never paid late 5. Dept of EDXXXX # XXXX should be showing never paid late According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. also every piece of information on these accounts are still not reporting 100 % accurate and according to FRCA 15 USC 1681 everything has to be 100 % accurate.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2023-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I AM REQUESTING THE OMBUDSMAN DEPARTMENT TO AUDIT MY ACCOUNT. SINCE XXXX RUSHMORE LOAN MANAGEMENT SERVICES HAS REFUSE TO REFUND OR CREDIT MY PRINCIPAL ACCOUNT, TOTAL OF {$7500.00} ILLEGAL UNJUSTIFIABLE OVERCHARGES VALUE/XXXX COST, LATE FEES, ATTORNEY FEES, FLOOD INSURANCE FEES AND HOMEOWNERS FORCED PLACED INSURANCE FEES. 
THESE FEES ARE NOT SUPPOSE TO BE CHARGED DURING TRIAL MODIFICATION PROCESS STEMMING FROM XXXX XXXX NATIONAL DISASTER. SEE ORIGINAL ENCLOSED XXXX XXXXXXXX XXXX XXXX NOTE COPY DOC TYPE XXXX WHICH DOES NOT REQUIRE INTERIOR FIRE INSURANCE COVERAGE FOR A TOP FLOOR CONDO PENTHOUSE NEW HIGH RISE BUILDING WIRED WITH SPRINKLER SMOKE CARBON DETECTOR ALARM SYSTEM COMPLETED XXXX BASED ON FLORIDA STATE LAWS.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the past 90 days I have been challenging the accuracy of the information provided by TransUnion with regard to my legal name change from XXXX XXXX XXXX ( adopted name ) to XXXX XXXX XXXX ( birth name ) I have provided them with numerous copies of the court order. Beyond this, we asked them to correct inaccuracies with their customer XXXX XXXX  with regard to our payment history and the status of our account. We were never late on any payments and it was included in our chapter XXXX bankruptcy but they refuse to make any changes. I have disputed this will all the major reporting companies but at this point we are at an impasse and I find it necessary to reach out to you and ask you for your assistance in this matter.