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: CA

Complaint narrative:
**Note : I will send you the supporting documents for this complaint via U.S . Postal service mail, as it exceeds the 10MB or less requirement for document uploading. ** XXXX On XX/XX/XXXX I sent a Certified letter to XXXX regarding an account from : XXXX XXXX XXXX XXXX XXXXXXXX. When I attempted to contact the alleged creditor at the address listed on my account with XXXX, the address was incorrect. I requested that XXXX permanently remove this account from my credit file, and send me an updated report. They have yet to do so. 
On XX/XX/XXXX I sent XXXX an XXXX mail letter regarding several negative accounts on my credit report, and I challenged the accuracy, compliance, and reportability of each of them. 
I requested that XXXX validate the information with the entities listed and provide me with copies of any documentation associated with the accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file. 
I also requested that once this was completed, that they send me an updated copy of my credit report. This has not been done by XXXX. 
On XX/XX/XXXX I received a letter from XXXX ( see enclosed letter ) stating that they were unable to locate a credit file in our database with the identification information you provided, etc. 
This is false. I have been in their database for many years. I have enclosed a copy of a page from my credit report from XXXX dated : XX/XX/XXXX with the Confirmation # : XXXX. Which shows that they are probably using that as a stall tactic. 

XXXX XXXX XX/XX/XXXX I mailed a XXXX XXXX to XXXX requesting that they update/correct my personal information in my credit file. That they remove all other addresses off my report, and not list any telephone numbers, per the FCRA, as they are not reportable and are therefore inaccurate. On XX/XX/XXXX XXXX sent me a copy of my credit report, and they had not removed the inaccurate information that I requested. This is in violation of the FCRA. 
On XX/XX/XXXX I sent XXXX a XXXX mail letter regarding several negative accounts on my credit report, and I challenged the accuracy, compliance, and reportability of each of them. 
I requested that XXXX validate the information with the entities listed and provide me with copies of any documentation associated with the accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file. 
I also requested that once this was completed, that they send me an updated copy of my credit report. This has not been done by XXXX. 
On XX/XX/XXXX, I sent XXXX a Certified letter regarding an account on my credit report for XXXX XXXX XXXX. I attempted to contact this alleged creditor by priority mail with the address listed on my report, and the mail was returned as undeliverable. I requested that XXXX removed this fraudulent account from my report permanently and send me an updated credit report once this was done. XXXX has not done so, which is in violation of the FCRA. 

Transunion XXXX XX/XX/XXXX I mailed a Certified Letter to Transunion requesting that they update/correct my personal information in my credit file. That they remove all other addresses off my report, and not list any telephone numbers, per the FCRA, as they are not reportable and are therefore inaccurate. On XX/XX/XXXX Transunion sent me a copy of my credit report, and they had not removed the inaccurate information that I requested. This is in violation of the FCRA. 
On XX/XX/XXXX I sent a Priority Mail letter to Transunion regarding an inquiry on my credit report from : XXXX XXXX XXXX, letting them know that I did not authorize this inquiry and wanted it removed permanently if it could not be validated with documentation bearing my signature. I also requested an updated credit report from Transunion after this was completed. I have not received validation, or an updated report showing this deletion which is a violation of the FCRA. 
On XX/XX/XXXX I sent Transunion a Certified Letter regarding an alleged account from XXXX XXXX, I challenged the accuracy, compliance and reportability of the account. 
I requested that Transunion validate the information with the entities listed and provide me with copies of any documentation associated with the accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file. 
I also requested that once this was completed, that they send me an updated copy of my credit report. This has not been done by Transunion in violation of the FCRA. 
On XX/XX/XXXX I sent Transunion a Certified Letter regarding several negative accounts on my credit report, and I challenged the accuracy, compliance, and reportability of each of them. 
I requested that Transunion validate the information with the entities listed and provide me with copies of any documentation associated with the accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file. 
I also requested that once this was completed, that they send me an updated copy of my credit report. This has not been done by Transunion in violation of the FCRA.

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