Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Good morning, I am filing a complaint against the following companies : ( XXXX, TransUnion, XXXX  & XXXX, XXXX XXXX, XXXX XXXX ( formley XXXX XXXX. 

The complaint is as follows : 1. Each company ( XXXX, TransUnion, XXXX & XXXX ). has failed to investigate or provide the required documentation needed to place erroneous and or fraudulent information on my credit report. Which has allowed other third, fourth or unknown parties access to my information without my knowledge or consent. 

2. Each company ( XXXX, TransUnion, XXXX & XXXX ). has knowingly and willingly violated the FCRA 15 U.S.C specifically section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all  information which can not be verified. 

3. Each company ( XXXX, TransUnion, XXXX & XXXX ). has went outside of the required 30 days to verify the information on multiple occasions since XXXX/XXXX/XXXX. To dispute this information I have spent at least {$1500.00} on services such as XXXX XXXX XXXX and XXXX XXXX services. On XXXX XXXX/XXXX/XXXX I submitted a certified letter, confirming my identity per their requirement to all three firms. In that letter I requested signed verification of all debts due to possibly fraud and other concerns. I also submitted written verification from the XXXX ( XXXX XXXX XXXX XXXX ) of my identity being compromised several times. I also submitted proof of previously closed case of identity theft ; see attached documents for reference. To this date the neither credit bureau has provided proof yet have reported to potential creditors that I am a high risk. This has cost me to date over {$20000.00} in fees, high interest rate credit cards and the ability to purchase a home or rent. 

4. Each company ( XXXX, TransUnion, XXXX, XXXX ) will delete and within 90 days place the information back on the credit report without proof or verification. In the past 120 days I have submitted to written request to remove unverified information if they could not provide a signed contract. To date no information has been removed or verified. 

5. Each company has placed reported tax liens on my credit report which are not required by the State of Georgia. I informed each credit bureau that the state of Georgia never notified me of owning a tax lien and to verify the sign debt I owe to the State of Georgia ) To this date I have only received two notices of the tax liens being paid ; see attachment. Per the GA Department of revenue website " The Department has no control over the length of time that a credit bureau keep public information on a credit report ''. " To update your credit report your must contact the credit bureaus directly ''. The credit bureaus knowingly report this incorrect information as if the consumer was actually notified of the alleged debt. To date no information was submitted by the State of GA verifying the debt was owed, or that I was notified of such debt. This information has remained on my credit report since 2009 and has caused incalculable damage to credit, and future job opportunities. 

6. Each company has continued to report errors from disputed accounts such as XXXX XXXX, XXXX XXXX and other debt collection agencies with no proof of debt ; see attachment. One company is currently attempting to sue me after I notified the credit bureaus that I requested written proof. I also informed them that the account was possibly fraudulent however I would need to see the terms and conditions of the contract and verify my signature. It is apparent the credit bureaus are in collusion with other large corporations which harmed my credit. In one incident I was sued but able to recoup my funds after successfully defending it was not me ; see attachment. XXXX still kept the erroneous account on my report for seven years. 

7. Each company specifically XXXX has violated the FCRA by not protecting my information and allowing it to be hacked by an outside entity who now has my information to sell on the XXXX market ; see attachment. 

8. Complaint againt XXXX who allows potential employers to abuse their services based off erroneous information. 

For the past seven years the above credit bureaus have wreaked havoc on my life by reporting incorrect information. 

Thank you for your assistance.

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