Consumer complaint received 2024-06-23 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: GA

Complaint narrative:
XX/XX/XXXX I was notified of an aged account reporting to my Transunion credit report. The account reported a name and address that Ive never been associated with ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Ive been a victim of file merging and identity theft. 

I submitted my 5th dispute via mail on XX/XX/XXXX that Transunion JUST uploaded XX/XX/XXXX ; which is past 30 days. 
My file has been in the special handling /file merging department of Transunion for years. There is no way the debt can be verified accurate when the debtor has a completely different first and middle name. Ive asked for proof of validation four times and each request has been ignored. Transunion is the ONLY CREDIT BUREAU REPORTING THIS INACCURACY. 

Per Federal Law 15 U.S CODE 1681a ( 2 ) ( Ai ) ; A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

I also understand that according to federal law 15 U.S Code 1666b ( a ) ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Lastly, by Federal Law 15 U.S Code 1681c-2, section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all information legally required for this inaccuracy to be removed and blocked from my credit report including : ( 1 ) FTC Identity Theft Report ( 2 ) Police report ( 3 ) Utility Bill ( 4 ) Photo identification ( 5 ) written statement that the account was not opened by me. 

Transunion has stalled multiple disputes since XX/XX/XXXX with a different excuse every month including : ( 1 ) not receiving substantial proof of identity, ( 2 ) stating they could not locate my credit report even with my file number and social security number provided on each document, ( 3 ) and now stating the debt has been verified but, has yet to furnish proof of validation of the debt. 

Please remove this XXXX XXXXXXXX XXXX XXXX account from my Transunion Credit report. It has been 5 months of disputes. This is negatively impacting my well-being.

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