Consumer complaint received 2024-04-20 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of an account that has been verified by TransUnion on my credit report. Despite my repeated attempts to challenge the accuracy of this information, TransUnion has consistently upheld the verification of this account without providing sufficient evidence regarding the verification process. 
Under 15 U.S. Code 1681i section 5a, I have the right to request detailed information about how TransUnion verified the account in question, including whom they spoke to, the date of verification, and what specific information was provided. This provision explicitly states that if the information can not be verified, the account must be removed from my credit report. Below are the current accounts I am disputing that need to be removed from my credit report : XXXX XXXX Balance : {$410.00} This account was removed by another credit reporting agency which is XXXX due to identity theft and as well as Transunion needs to remove it on their end since I have provided sufficient information in this account being removed. This account is not mines and needs to be removed and blocked. I have attached the proper documentation which shows this account that has been removed from another reporting agency and as well as sufficient documentation relating to identity theft. 

XXXX XXXX XXXX Balance : {$0.00} This account needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove and block. 

XXXX XXXX XXXX XXXX These three accounts needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove all three accounts and block. 

XXXX XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

XXXX XXXX XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

I have submitted multiple disputes regarding this account to TransUnion, yet each time I have been met with the same response indicating verification without transparency regarding the verification process. As a consumer, I am entitled to clear and thorough documentation regarding the verification procedure to ensure the accuracy of the information on my credit report. 

Therefore, I demand that TransUnion rectify this situation within 10 business days of receiving this notice. This entails providing me with the requested information regarding the verification process for the disputed account or, failing that, removing the account from my credit report in accordance with the aforementioned statute. 
Failure to comply with this request within the specified timeframe will result in further action being taken to ensure my rights as a consumer are upheld. I expect prompt and decisive action on this matter and will be monitoring the progress closely. 
Please acknowledge receipt of this dispute letter and provide confirmation of the actions being taken to address this issue. 

Sincerely, XXXX XXXX

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