Consumer complaint received 2025-01-11 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: MA

Complaint narrative:
Hi company this is my last response to you still working on my issues. Rather it should be the issues that you caused by stubbornly since XXXX  sticking up accounts and inquiries that don't belong to me on my consumer credit report. 

Thus blatantly refusing to Delete those corrupted items from my consumer credit report no matter what I or any of the multiple credit repair agencies that I hired throughout the years tried to do you always used dirty tactics to stall them or me and you always prevailed. 

One way that you do that is by sending a letter stating that someone tried to access a consumer 's information without the consumer authorization which is a lie flat on its face, because when a consumer himself or herself tries to file a case regarding any issues with their consumer credit report or hires any credit report agencies is to their benefits why wouldn't the consumer or the credit repair agencies not provide you with all the documentations you require such as the copy 's of the photo Ids in the first place. That's nonsense. 

I myself tried to files cases upon cases regarding the unthorized items that is placed on my consumer credit report, I always sent a copy of photo id along with my ss # or when the multiple credit repair agencies, professionals that I have hired along the years tried to file cases regarding unthorized items on my consumer credit report on my behalf it was always with my full authorization and also they sent all my identification including copy of a photo id with my full authorization and you knew it. 

However, regardless of the attempts we were always barred at the gate by stall letters containing the reason for denying the case which you stated on the stall letters that it was authorized by the consumer so did not allow the filing of the case to move forward that the consumer has to personally identify themselves, with instructions for the consumer to call a number or write a letter with a copy of id or send by mail to verify identity which letter you don't respond in the first place. 

Let me ask you something is it illegal for a consumer to dispute unrecognized items on his or hers consumer credit report? 

Let me ask you something else is illegal for the consumer to hire a credit repair agency to file disputes on their behalves. 

The reason I ask this 2 questions is because on your Tactical stall letters you make it if it's illegal for either for the consumer to trie to dispute unrecognized items on his or hers consumer credit report or to hire a credit repair agency to do it on his or her behalf. 

However, the main reason that you use the stall letters, is simply to make it extremely difficult for the consumer even before the consumer begins is so that the consumer may give up with his or her disputes about any corrupted items that you unauthorizedly placed on the consumer credit report thus by doing that in the first place you yourself have trumped the Laws & Regulations put in place to safeguard the consumers and allow you as a credit report agencies to act under principles of the Laws & Regulations by fully certifying that any items on consumer 's credit report are inaccurate but accurate.

Rather you use deceiving tactics to tire out the consumer because when the consumer calls the number that is written on the tactical stall letters that you send you make it EXTREMELY difficult for the consumer to reach and speak with a live agent, it takes more than hours for a consumer to be able to speak with a live agent, if the consumer gets to speak with any live agent. 

Because your bot refuses to connect the consumer with a live agent me only one time that was I able to get connected to a live agent regarding my consumer credit report that you blocked and also the changed email address that I had signed up to a totally different email address that I never had was after I got really mad at the bot, because after hours of trying multiple times to get connected to a live agent than I got really mad and I started to literally talk angrily at the bot that then the bot say ok I will connect you with a live agent. 

Than after the detractor bot connected me with the live agent I again identified myself than explained to her the reason I was calling was because of the letter that ordered me again to contact the mighty company to identify myself. 

I also told her that because after I had filed disputes regarding unrecognized item multiple unrecognized accounts and inquiries that had been placed on my consumer credit report since I first discovered them around XXXX  that somehow the email that I signed up for the free membership account that you provide to consumers was suddenly mysteriously changed to an unauthorized email address and also that my consumer credit report was blocked and that I didn't have any access to my consumer credit report. 

Then she assured me that she would take care of it but in the end she never did to this day I am unable to login on the free membership that you had blocked because of the change to a totally different email address that was never mine in the first place. 

Now please if you would tell me who would change an email on a consumer credit report agency 's website to just block the consumer from accessing his consumer credit report that right after the consumer again files disputes regarding unauthorized items on his or her consumer credit report. 

Those are the works that you have been doing regarding the issues that you have caused on my consumer credit report since XXXX. 

As I said this is my last letter in response to your complete disregard for the FCRA Laws & Regulations also addressing of the Evil tactics that you use to be capable to disarm a consumer right at the gate ( Deny ) and also your unethical tactics if the consumer somehow muster courage to continue moving forward with the disputes ( Defend ) and also your utter disregard of the Laws & Regulations, then your complete and blatant refusal to correct or fix the issues. 

Well I digress because you have been working on the issues since XXXX  and it always remained the same if not worse with dozens of accounts that popped out of nowhere, and hundreds of inquiries that appeared out of nowhere all after I tried to file disputes regarding unrecognized items that was placed on my consumer credit report. 

Well after looking at this facts among many that I haven't mentioned here, like all kinds of different accounts and inquiries that suddenly start appearing on my consumer credit report and all that after I filed multiple disputes it shows me that you are a XXXXXXXX XXXX. 

So because I am tired of all this nonsense & also I want to preserve my and my family 's physical integrity. 

I rest my case.

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 explanation