Consumer complaint received 2025-02-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX XX/XX/XXXX TransUnionLLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Compliance with FCRA Verification Requirements Dear TransUnion, I am writing to express my ongoing frustration with your handling of my disputes regarding fraudulent accounts reported on my credit report, specifically the fraudulent student loans. I have reached out to you several times regarding this matter, yet you continue to violate federal law as it pertains to identity theft. While the other credit bureaus have complied with legal requirements, TransUnion 's negligence has caused me significant financial stress. 

In your response to CFPB complaint # XXXX. You stated we sent you a letter to inform you the documents you provided were not acceptable and we investigated the information by contacting the creditors to verify the accuracy of the information. This statement is totally false. You were sent not only the ID Theft Report ( FTC Report # XXXX ) but also a notarized Identity Theft Affidavit on two separate occasions, which are documented in the CFPB complaint. According to FCRA 605B these items are acceptable. In addition, you mentioned nothing about the fraudulent inquiries that I have repeatedly stated I did not authorize or initiate, and you are still reporting these fraudulent inquiries on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation when a consumer disputes information on their credit report ( 15 U.S.C. 1681i ). This includes obtaining verification from the data furnisher and furnishing specific documentation to me, including a signed contract and the method used for verification. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1.The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 6.Provide me the signed contract The law mandates that you must provide me with the results of your investigation within 30 days of receiving my dispute. This includes the verification documentation that demonstrates the accuracy of the reported information. If you fail to provide this information within the 30-day period, you are required to remove the fraudulent information from my credit report immediately. 

I am urging you to take this matter seriously and to comply with your legal obligations. Please provide me with the necessary documentation, including the specific method used to verify the fraudulent student loans and a copy of any relevant contracts, within the required timeframe. Failure to do so will leave me with no choice but to escalate this matter further, including reporting your non-compliance to the Consumer Financial Protection Bureau and pursuing legal action to protect my rights. 

Thank you for your immediate attention to this critical issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

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