Consumer complaint received 2025-03-07 00:00:00
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.
State: GA

Complaint narrative:
Almost three weeks ago, upon me calling TransUnion because I had been unable to get a copy of my credit report from them for almost three years though repeatedly requested, a TransUnion supervisor notified me that an individual with a similar name as me, social security number and information had been merged in their electronic data base to my consumer file. She stated that because of their mistake and mix up, it had been hindering me from receiving a copy of my report. She looked further into my file and stated that she saw that though I had contacted them multiple times about the mix up, etc, no one had took the matter seriously to investigate and remove the other person 's information from their electronic data base. She then pulled a copy of my previous mailed in driver 's license and ss card, then submitted a request for TransUnion 's special handling to remove and suppress the other person 's information form my consumer file in TransUnion 's electronic database. The supervisor then created a secure portal link and emailed me a copy of my TransUnion report. She and I reviewed my credit report together to ensure the other person 's accounts and personal information was not listed. At that time, only the person 's addresses, phone numbers and employer, was listed. The supervisor stated that the matter would be resolved as soon as the XXXX XXXX department received her request with my license and ss card attached. She asked me to allow them XXXX business days to resolve the issue, though I was told 3 years ago that the issue had been resolved. After XXXX business days, I received an email from TransUnion stating that they had suppressed my entire consumer file, instead of doing with the supervisor requested. I then had to mail in a written request for TransUnion to remove the suppression that should have never been placed on my consumer file. I attached a copy of my license and social security card. In the letter, I requested that when TransUnion removed the suppression, to please make sure information including accounts belonging to the other person, was not attached to my consumer file or report, then notify me. After XXXX business days, I received an email form TransUnion notifying me that the suppression had been removed. TransUnion then emailed me a copy of my consumer report via a secure portal link. Upon reviewing the credit report, I discovered that upon removing the suppression, TransUnion had added three negative accounts belonging to the other person that has a similar name as me. I notified TransUnion of their error and requested for the other person 's three negative accounts to be removed from me credit report immediately as well as one the other person 's addresses and employer. Being that this was a preventable error that TransUnion has made and an issue that I told three years ago by TransUnion was allegedly resolved, TransUnion should not be allowed 30 days to correct their errors. It is federal law, that TransUnion 's responsibility is to cross reference ALL information prior to reporting information on a consumer 's credit report. Though the other other person has a similar name, the other person 's social security number is completely different form mine. This is caused an unnecessary financial hardship, as well as missed financial opportunities. These credit bureaus are provided too much leniency when they are completely careless, reckless, and their mistakes cause detrimental financial harm.

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