Consumer complaint received 2020-11-16
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. (TX)

Complaint:
The following complaint stems from a previous complaint with this Trans Union as it pertains to their negligence in listing delinquent accounts on my credit report that do not belong to me. Even after bringing the information to the consumer 's attention, Trans Union elected to continue to report the information to my account. I am here to annotate the record of the issues that I am having with the credit bureau, and have them delete the aforementioned accounts from my credit report as they do not belong to me. 


1 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 10, however, the account history for Loan 10 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 


2 ) Dept of Ed/XXXX  - Account # XXXX XXXX XXXX This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 1, however, the account history for Loan 1 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 

3 ) Dept of Ed/XXXX  - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 8, however, the account history for Loan 8 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 

4 ) Dept of Ed/XXXX  - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 3, however, the account history for Loan 3 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 

5 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 2, however, the account history for Loan 2 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 

6 ) Dept of Ed/XXXX  - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 5, however, the account history for Loan 5 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 

7 ) Dept of Ed/XXXX  - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 11, however, the account history for Loan 11 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 

8 ) Dept of Ed/XXXX  - Account # XXXX XXXX XXXX This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 6, however, the account history for Loan 6 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 

9 ) Dept of Ed/XXXX  - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 7, however, the account history for Loan 7 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 

10 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 4, however, the account history for Loan 4 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 

11 ) Dept of Ed/XXXX  - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 9, however, the account history for Loan 9 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once. 


Trans Union has violated FCRA guidelines in 1 or more of the following ways : 1 ) Identity errors, in by reporting accounts that belong to another individual with same or similar name as mine. ( mixing of two consumers ' information in a single filed, aka Mixed file ). 

2 ) Incorrect reporting of account status ( Accounts incorrectly reported late or delinquent ) 3 ) Data management error, Accounts that appear multiple times.

As a result of their violations, I reached out to Tran Union as prescribed by FCRA, 'if you find errors, you should contact the credit reporting company who sent you the report, ' to which I did. 

On XX/XX/XXXX, I called Trans Union to file this dispute, however, they were unable to accept the documentation as they stated. I wanted to provide the documentation here and update the record in the event that this matter must be escalated to a court of law.

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