Consumer complaint received 2024-08-23 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: FL

Complaint narrative:
to whom it may concern, I am writing to bring to your attention a serious issue that has arisen with my credit accounts and credit report. Over a month ago, I received a letter from XXXX  XXXX XXXX stating that one of my credit cards would be closed and the credit limit on another card would be lowered due to alleged delinquency on my credit score. I want to emphasize that I have never missed a payment on any type of loan or credit card. 

Upon investigating, I checked my credit score through a free credit report service and noticed an unfamiliar loan under the name of XXXX XXXX XXXX for the amount of {$2100.00}. When I contacted the number listed on my credit report, I was informed that this loan was taken out in XXXX  and was intended for travel expenses. However, I have never taken a loan from XXXX XXXX XXXX, nor was I aware of such a loan. After explaining this to the representative, they suggested I file a dispute. When I provided my information, they could not find any record under my name, phone number, or any other contact information previously owned by me or my wife, and advised me to contact the credit reporting agency. 

I subsequently filed a dispute with TransUnion. However, after a month, TransUnion informed me that they had contacted XXXX XXXX XXXX regarding the loan, but the company did not provide any response. This lack of response has left the dispute unresolved, and TransUnion still lists the loan as valid on my credit report, which is not accurate. 

After filing a complaint through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX responded that the loan was for a trip from XXXX XXXX to XXXX, two locations I have never visited. The person I spoke with on the phone provided names associated with the purchase of airline tickets : XXXX XXXX, XXXX XXXX, and XXXX XXXX of whom I know. These tickets were bought through an airline called XXXX for a round trip from XXXX XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX. 

They instructed me to file a form to dispute the loan, which I did, and even had it notarized. However, when I sent this documentation, XXXX responded that it was not sufficient proof. When I called them again, I was told that the loan was my responsibility, even though I never requested it, and that I need to pay more attention to my credit report. 

I am extremely concerned because I have checked my credit report regularly, and this loan only appeared recently. XXXX XXXX XXXX and TransUnion are not providing any solution or guidance on what else I can do to prove that this loan is not mine. 

This situation is causing significant stress and impacting my financial standing. I urgently need assistance to resolve this issue. Please take the necessary steps to investigate and rectify these discrepancies. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX ( Spanish )

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