Consumer complaint received 2021-12-14 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX {$8200.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account This account has 22 late payments because it is fraudulent thats why payment is not being made but yet it stills reports XXXX XXXX continues to report an open fraudulent account. They continue to report late payments, which is affecting my credit worthiness and my ability to get a home. Transunion Union and XXXX  XXXX continue to report incorrect information to my credit report. I will be filing a consumer lawsuit against XXXX XXXX XXXX, XXXX XXXX and Transunion for their negligence and total disrespect to my claim. Ive disputed this account over 6 times and yet it still reports on my credit. Ive sent in verifying documents such as, police report, sign affidavit, dispute letters, even called Transunion and spoke to the special handling department and was told my social security number and personal information did not match and my Transunion account was going into maintenance to correct errors that Transunion has reported. 

I spoke with XXXX XXXX XXXX Originator Manager of XXXX who ensured me that the fraudulent account would be removed immediately from there system due to fraud but yet it still continues to report. If this account is not removed with in 24 hours. I will be filing a lawsuit against XXXX XXXXXXXX XXXX and Transunion. For violating my consumer laws and violating the FCRA. I also believe that XXXX  XXXX has violated the ( The federal Fair Debt Collection Practices Act ( FDCPA ) after countless times of me letting them know that the debt was not mines. They still called and harassed me concerning the account. 

Under the FDCPA, lawsuits alleging violations of the FDCPA must be brought " within one year from the date on which the violation occurs. '' ( 15 U.S.C. 1692k ( d ) ). In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the U.S. Supreme Court clarified that the one-year statute of limitations for an FDCPA violation begins to run when the alleged violation occurs, not when the offense is discovered, absent the application of an equitable doctrine. 

Ive also contacted the FTC with FDCPA concerns. 

Ive also contacted the states attorney general concern this matter. And plan on pursuing full legal action on XX/XX/XXXX XXXX {$8200.00} Balance updated XX/XX/XXXX 22 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( 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