I have spent long periods working overseas and my credit file is essentially empty. There is nothing negative in my credit file. Now that I have returned to the US I went to a bank to open an account, a credit card, and to inquire about a mortgage. When the bank accessed my TransUnion credit report, another person 's name and addresses came up. That person 's name is XXXX XXXX, of XXXX, Michigan. I have never used that name and have never been to XXXX Michigan. 

There is also credit information in the report that does not belong to me. I 'm assuming that just XXXX loan was mis-entered so that my ssn became associated with this other person 's name and address. So although the credit information is not negative, it has taken my identity and made it impossible to proceed in establishing and using credit. 

When I opened a retirement account through my new employer, security questions such as " With which of these addresses have you been associated '' were matched to addresses in towns where I have never lived. I moved on to other questions that actually pertained to me, but there were more questions that were relevant to this other individual than there were that were relevant to me. 

I reported this to TransUnion XXXX, once on the XXXX of XXXX, and once around the middle of the month. To my knowledge they have taken no steps to resolve this matter. My entire life is on hold until they resolve this matter. 

Given the enormous responsibility of credit reporting agencies, such as TransUnion, I expect communication and proactivity when they are presented with such a claim. If they can not quickly resolve mistakes of their making, they should not be allowed to play such an important role in the lives of consumers. Resolving this quickly is the most important item on my " master '' to-do list, and I ask for your help. Thank you, XXXX XXXX