Consumer complaint received 2024-08-03 00:00:00
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously applied for a loan and was denied curious as to why I was denied because I dont really have any negative items on my credit report the bank inform me to reach out to Trans Union . 

I reached out to Trans Union and requested a copy of my credit report which I received on XX/XX/XXXX and noticed that they had a Social Security number on there that was not belonging to me. I sent them the requested documents and was told that the back office would update incorrect. These inaccuracies and a new report would be sent out to me. Well I received the new report today and nothing has been updated or removed. 

As a member of the United States military with an active security clearance, the accuracy of my consumer credit report is of the utmost importance. I am concerned to find that my recent credit report from TransUnion contained inaccurate information regarding a Social Security number that I dont have, in fact I utilize an Individual Taxpayer Identification Number ( ITIN ) which I have proven and sent in with ID and proof of residence to TransUnion. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to maintain complete and accurate information in my credit file. When I notified them of this error, they acknowledged the incorrect Social Security number, but then failed to fully rectify the issue after I provided the necessary documentation to prove my ITIN status. 

The persistence of this erroneous information, and the associated account inquiries and derogatory items, poses a serious threat to my financial well being and could potentially jeopardize my military security clearance. This is simply unacceptable. 

As a consumer with well established rights under the FCRA, I will continue escalating this matter with TransUnion. I will demand that a supervisor promptly review my case, remove the inaccurate Social Security number information, delete any associated inquiries and accounts connected to that ssn, and provide me with an updated consumer report reflecting the corrections. As they should have as of XX/XX/XXXX. Additionally, I am filing this complaint to ensure TransUnion addresses this issue with the urgency it deserves. 

My military service and security clearance are of the utmost importance, and I should not have to endure the stress and burden of rectifying credit reporting errors that are entirely beyond my control. I am confident that by assertively exercising my rights under the FCRA, I will be able to swiftly resolve this matter and restore the integrity of my consumer credit profile. 

References : 15 USC 1681 section 602 a 15 USC 6801 15 USC 1681 section 604 a section 2 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7

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