Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I mailed TransUnion a letter disputing an account for XXXX XXXX XXXX via USPS certified mail. Attached was over XXXX pages of supporting documents including personal/sensitive/confidential information ( date of birth, social security number, and copy of driver 's license ) Per TransUnion ' website on XX/XX/XXXX, a dispute was submitted on XX/XX/XXXX. I took a screenshot on XX/XX/XXXX and it said that the dispute was I progress. 
Accordingly, per the Fair Credit Reporting Act ( FCRA ) XXXX is required to conduct a reasonable investigation and delete the disputed information as requested before the end of the XXXX period of the date on which they received my disputed letter. TransUnion was supposed to submit my dispute letter on XX/XX/XXXX. Therefore, their response was due on or by XX/XX/XXXX. No response was received. I reviewed TransUnion 's website today XX/XX/XXXX to check the status of the dispute and it showed that the last dispute was submitted XX/XX/XXXX. I took a screenshot of that as well. Today XX/XX/XXXX, I called TransUnion at XXXX. I spoke with XXXXsupervisor of the Disputes Department XXXX He stated the documents were received on XX/XX/XXXX but a dispute was never submitted. He did not provide a reason why the dispute was not submitted. XXXX said that he would submit a dispute today. 
I have disputed the same account multiple times. On XX/XX/XXXX is the only time I sent a dispute letter with documents containing personal/sensitive/confidential information. 
Clearly, TransUnion has willfully failed to investigate and delete the disputed information as I have requested. In lieu of the disputed information, TransUnion willfully failed to conduct a reasonable investigation of my dispute. However, their excuse or assumption is not valid reason under the FCRA to not investigate my dispute. Note, TransUnion has not made any reasonable determination that my dispute was frivolous or irrelevant. Nor has TransUnion sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and/or accuracy of information contained in my consumer file. 
As per the FCRA, the failure of XXXX to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
Additionally, as per the FCRA, XXXX is liable to me for damages for their conduct. 
TransUnion is not conducting investigations and they are not reviewing documents they receive from me, the consumer. 

I sent over XXXX pages of documents to XXXX to dispute a fraudulent account ( XXXX XXXX ) on my credit report. 

THIS IS THE DISPUTE LETTER I SENT TRANSUNION : My name is XXXX XXXX Disputed account : XXXX XXXX I am a victim of identity theft Please Investigate this matter and contact the nationwide credit bureaus to have them delete the disputed item as soon as possible. 
In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
TransUnion credit bureau stated my accounts were properly investigated but it can not be possible if the XXXX account IS NOT MINE. The addresses and phone numbers associated with the XXXX account does not belong to me and they are not associated with any of the accounts with the XXXX other credit bureaus ( XXXX and XXXX ). 
This is grounds for deletion of the XXXX account from my credit report.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am requesting a thorough investigation along with TransUnions method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately by TransUnion. 
I reviewed my credit report for TransUnion. I saw an account for XXXX XXXX. THIS ACCOUNT IS NOT MINE. 
I have called XXXX XXXX multiple times to try to rectify the issue. XXXX provided an account number associated with the debt. A representative XXXX provided an address associated with the account at XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have never been to, lived in, or had a valid ID or drivers license for the state of Tennessee. The address on file with XXXX is not associated with my TransUnion credit report nor with the accounts for the other XXXX credit reporting agencies ( XXXX and XXXX ). I have never requested my mail be forwarded to that address via USPS. According to XXXX, the address is for a car dealership named XXXX. One can not live at a business establishment. XXXX also has a phone number that I am not and have never been associated with. If TransUnion can not verify the accuracy of the information or validate the debt, the information should be deleted from my credit report. 
I have made several phone calls and have sent several certified letters informing the representatives that I have been a victim of identity theft multiple times. I have explained multiple times that I have filed an identity theft reports with the Federal Trade Commission and with the XXXX XXXX Police Department. I have repeatedly requested XXXX send documents for me to review in regards to the XXXX XXXX account that is on my credit report. TransUnion has never sent the documents. There is a Freeze on my credit reports with all 3 credit bureaus ( XXXX, TransUnion and XXXX ). 
I request The following information from TransUnion regarding their investigation into the XXXX XXXX account on my credit report : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. 
TransUnion Credit Reporting agency did not provide any of the above requested information or documents. 
The representative at XXXX instructed me on how to create an account on the XXXX XXXX website so that I could review their documents. I requested the same documents from XXXX in my dispute letters and XXXX did not send anything related to the XXXX account. 
( XXXX ) The signature on the contract for XXXX with XXXX XXXX is not mine. If TransUnion truly did an investigation, they would have compared my signature on the multiple letters I have mailed to them to the signature on the documents with XXXX XXXX at the very least. 
( XXXX ) I have never lived at the addresses on file with XXXX XXXX. 
( XXXX ) The address on the contract is XXXX XXXXXXXX XXXX in XXXX XXXX, Georgia. In XXXX, I rented a room at XXXX XXXX XXXX in XXXX XXXX, Georgia for 2 months. On XX/XX/XXXX I was victim of internet crime on several occasions and completed a Complaint Referral Form with the Internet Crime Complaint Center while renting a room at XXXX XXXXXXXX XXXX  in XXXX XXXX, Georgia. Attached to this dispute is proof that I did not live at the address on the contract with XXXX XXXX. My phone and drivers license was stolen at XXXX XXXX grocery store in XXXX XXXX, Georgia. 
( XXXX ) I have never lived at the address XXXX XXXX has mailed correspondence to. According to an XXXX XXXX representative, they sent multiple letters to XXXX XXXX XXXX XXXX XXXX, TN XXXX. I XXXX  the address. It belongs to a car dealership named XXXX. I have never lived at that address. No one can live at a car dealership. I have never requested my mail be forwarded to that address via USPS. If TransUnion did a proper investigation, they could have at least Googled the address. 
The XXXX XXXX account is NOT MINE. XXXX has already deleted the XXXX account information from the credit report. TransUnion refuses to do the same. I am in communication with XXXX regarding to this matter. 
** TransUnion is gathering information from multiple sources ( factual and fraudulent ) the info to build a profile but refuses to use factual information from the actual consumer to use for their investigation to remove fraudulent/incorrect/invalidated information from the credit report. Instead of using the information and documents I have submitted for the investigation, XXXX is adding to their profile. 
I have proven the XXXX XXXX account on my credit report is NOT MINE. TransUnion has inaccurate and invalid information that should be deleted from my credit report.

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