gocubs1216

I received a hard copy of my TransUnion report today. Under all of the inquiries is the statement "Identifying Information the provided:" One one specific inquiry this is then followed by my name, but an address that is NOT mine! It is for an address in Delaware - I live in Illinois and have NEVER lived in Delaware! When I called TransUnion I was treated rudely and told (in very broken English), "Well - there's nothing you can do about it! Obviously you gave this company permission to access your file." When I said otherwise, I was told, "Sorry!" I asked to speak to a supervisor who basically said the same thing! They never understood (or cared) about my point: TranUnion gave access to my credit file to someone using information that is NOT mine!! What recourse do I have legally against TransUnion? It seems to me this is a gross violation of the Fair Credit Reporting Act!!! Any sugestions??

Credit Application: Your Age? 48 Your Equifax Credit Score? 639 Your Experian Credit Score? 637 Your TransUnion Credit Score? 642 How many years have you been on file with Equifax? 29 How many years have you been on file with Experian? 29 How many years have you been on file with TransUnion? 29 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 5 Total percentage utilized overall? 65% How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1 YOUR PERSONAL INFORMATION How long at your current residence? 21 months Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? 500 How long have you held your current job? 3 years, 6 months Your total provable monthly gross income is? $3500 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) computerized pay stubs Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) no downpayment Does any credit repository contain any Public Record? If yes, please very briefly describe. Bankruptcy – Chapter 7. Discharged 10/07 Does any credit repository contain any Collection Account(s)? If yes, please very briefly describe. No Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 6 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 6 New or Used vehicle you are considering: Please very briefly describe. Looking for a used Honda Civic, Hyundai Accent, etc…