Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion has not been compliant with my credit report. Under the FCRA, I am entitled to ensuring maximum accuracy of my report. I have disputed items on this report as not mine or containing inaccurate/erroneous information and they've simply " verified '' these accounts as accurate. 

In XX/XX/XXXX, I disputed two three accounts. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I disputed these accounts because I have proof that this Aargon Agency account was compromised, there are charges on this account that I did not make as I was not living at the residence related to this account. I have asked that this account be deleted as it is inaccurate, Transunion has not complied with federal and state law. They have not provided any proof of this account belonging to me. I have reached out to XXXX XXXX countless times and they have only sent a bill statement with an unfamiliar address, charges directly conflicting with me living elsewhere and I have never been notified of this debt prior to it appearing on my credit report since XX/XX/XXXX. They continue to let it report on my credit although I have shown the inconsistencies. It has also closed and re-opened causing detriment to my score. 

The following two accounts are a mystery to me. XXXX XXXX is on my credit and shows a payment made that I have no record or recollection of. This is inaccurate and has not been proven to not be mine. There has been no proof of validity provided and XXXX XXXX has not replied to me or sent any correspondence prior to this debt being reported. Aside from that, there are federal and state compliance laws not being followed here. I've requested the original contract or some form or written agreement and recieved nothing. I've also stated the inaccuracies and they've not listened to me. Most Importantly, this account was originally closed on my credit report. Recently, it was re-opened in XX/XX/XXXX causing my credit score to drop significantly and then closed again in XX/XX/XXXX. This deceptive practice was allowed by Transunion although this account has not been sufficiently proven to be accurate. 

Also, there is an account from XXXX on my credit. I have no knowledge of this account as I've never opened an XXXX account. Also, this account is more than 7 years old, which means it is being housed on my report illegally. Transunion has failed to comply with federal and state law by reporting this account for over 4 months. I have requested more information countless times and I've gotten the same results. Sometimes, without further notice or any written confirmation of a dispute being opened or closed with investigation results. This is unethical and unfair to me as a consumer. 

Overall, Transunion is not working in its utmost ethical sense. I am reaching out to rectify this matter in a more efficient way as I've exercised my options.

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