Consumer complaint received 2025-02-20 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: NJ

Complaint narrative:
I have been disputing these fraudulent accounts with TransUnion for over a year, yet they are still on my credit report. This is beyond frustrating. I already filed a police report proving that these accounts were opened without my permission, and I submitted the same evidence to XXXX and XXXX. Unlike TransUnion, both XXXX and XXXX respected my rights and immediately removed these fraudulent accounts. However, TransUnion not only failed to remove them but also reported them without my knowledge or authorization, violating my rights under the Fair Credit Reporting Act. This raises a serious concernwhy is TransUnion treating my credit file differently? If XXXX and XXXX followed the law and acted on the evidence, what justification does TransUnion have for refusing to correct this issue? These accounts are completely inaccurate, yet TransUnion continues to report them ( XXXX with account # XXXX and XXXX with account # XXXX ). This proves that TransUnion is reporting false information, which directly violates 15 USC 1681e ( b ), requiring consumer reporting agencies to maintain maximum possible accuracy. Furthermore, under 15 USC 1681b ( 2 ), a consumer report may only be furnished in accordance with the written instructions of the consumer, and I never gave TransUnion permission to report these accounts. TransUnions failure to ensure accuracy and obtain proper authorization is a clear violation of my federally protected rights. I have no idea what proof TransUnion is using to verify these accounts, but it is clear that TransUnion is ignoring the documented evidence I provided. How much longer do I have to suffer because of TransUnions refusal to correct this error? These false accounts are not only damaging my credit but also preventing me from securing a mortgage, causing unnecessary financial hardship. The stress and frustration from this ongoing violation of my rights are unacceptable. I should not have to continue fighting for something that should have been corrected immediately. Additionally, I demand a proper manual investigationnot an automated response. If these accounts are not immediately deleted, I will have no choice but to pursue legal action under 15 USC 1681n and 15 USC 1681o for willful and negligent noncompliance, seeking full damages for financial and emotional distress. TransUnion has 14 days to respond and confirm the removal of these accounts from my credit report. Additionally, I expect an updated copy of my credit report reflecting these corrections.Furthermore, I have already filed complaints with the FTC Identity Theft division, the FTC Consumer Fraud division, and the New Jersey Attorney Generals office regarding TransUnions continued failure to address this issue. If necessary, I will continue to escalate this matter with additional regulatory agencies and take legal action to enforce my rights.

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