Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, declare under penalty of perjury that the information provided in this statement is accurate and true to the best of my knowledge. 
I am the victim of identity theft, which has affected multiple accounts listed under my name.I previously notified the respective creditors and financial institutions of my change of address due to an incident of mail theft. Despite this notification, these entities failed to update my records accordingly. 
This has resulted in unauthorized and fraudulent activities on the mentioned accounts, reflecting a serious case of identity theft.The continued reporting of these accounts with incorrect and unauthorized information has led to adverse effects on my credit report, significantly impacting my financial standing and reputation. decisions were made and actions were taken under my name without my knowledge or consent.I have never authorized or consented to delinquent payments OR collections OR charge-offs.Identity Theft and Assumption Deterrence Act, enforced by the U.S. Department of Justice . These laws are designed to protect individuals from unauthorized use of their personal information and to ensure accurate and fair reporting of credit information.According to the U.S. Department of Justice, identity theft involves the unauthorized use or misuse of another individual 's personal information for fraudulent purposes. In my case, the failure to update my personal information, specifically my address, despite being duly notified, has led to circumstances that parallel identity theft.

The misdirected communications and unauthorized actions on MENTIONED accounts, due to the address not being updated, have resulted in my personal information being used in a manner that I did not authorize. This negligence has facilitated financial decisions and activities under my name without my consent, closely mirroring the essence of identity theft The mishandling of my personal information and the subsequent adverse effects on my accounts and credit report constitute a violation of my rights under various laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, enforced by the U.S. Department of Justice and more. These laws are designed to protect individuals from unauthorized use of their personal information and to ensure accurate and fair reporting of credit information.Identity Theft Definition from Justice.gov : " Identity theft and identity fraud... involve someone wrongfully obtaining and using another person 's personal data in a way that involves fraud or deception, typically for economic gain. '' The wrongful use of my personal information and the resulting financial harm align with this definition, exacerbating the seriousness of your actions.

1. Critical Error in Address Reporting and Its Direct Impact : The presence of multiple incorrect addresses on my credit report, despite my provision of updated and accurate information, has led to grave misverification of accounts. This situation extends beyond clerical error, reflecting a severe breach of accurate reporting. Such inaccuracies have unjustly impacted my credit history and financial standing.

2. Demand for Substantial Verification Evidence : Under the Fair Credit Reporting Act, I demand more than just a copy of my credit report as proof of verification. There is a legal obligation for TransUnion to provide substantial, tangible evidence validating the addresses and associated account information reported. Failure to provide this level of verification represents a significant breach of your duties.

3. Importance of IRS Form 1099-C in Debt Verification : For charged-off debts, it is imperative that the original creditor files Form 1099-C with the IRS, particularly when the debt is sold. This documentation is crucial for accurate credit reporting and must be part of your verification process. I insist on a thorough verification of debt statuses using such essential documentation.

4. Detailed Explanation of Legal Violations by TransUnion Tailored to my Situation : Uniform Commercial Code ( UCC ) Violation : UCC 9-102 ( a ) ( 73 ) requires accurate financial reporting in secured transactions. TransUnion has breached this by incorrectly reporting my address and account information, which is fundamental to the accuracy of secured transactions.

RICO Act Violation : Under 18 U.S.C. 1962, TransUnions repetitive inaccurate reporting and failure in verification processes constitute a pattern of racketeering activity. This systematic issue is evidenced by the ongoing misverification of my account details and address information.

Wire Fraud Violation : In accordance with 18 U.S.C. 1343, TransUnions use of electronic communication to disseminate and maintain inaccurate credit reporting information in my case is indicative of wire fraud, assuming an intent to defraud through persistent misinformation.

Bank Fraud Violation : As defined in 18 U.S.C. 1344, TransUnion 's misreporting practices, particularly involving financial information, align with executing a scheme to defraud or to obtain funds under false pretenses, impacting my financial transactions and relationships.

Fair Credit Reporting Act ( FCRA ) Violation : TransUnion has violated 15 U.S.C. 1681e ( b ) by not following reasonable procedures to ensure maximum accuracy in my credit report. Additionally, their failure to properly reinvestigate disputed information, as required by 15 U.S.C. 1681i, is a clear breach of the FCRA in my case.

Gramm-Leach-Bliley Act ( GLBA ) Violation : The mismanagement of my personal information, particularly in updating and verifying my address, breaches 15 U.S.C. 6801-6809, which demand the protection of consumer information 's security and confidentiality.

Identity Theft and Assumption Deterrence Act Violation : The mishandling of my address information and the consequent risk of identity theft align with violations under 18 U.S.C. 1028, particularly given the unauthorized use of my personal information.

Electronic Fund Transfer Act ( EFTA ) Violation : the inaccuracies on my credit report involve electronic fund transactions, TransUnion is in violation of 15 U.S.C. 1693-1693r, which govern the conduct of electronic fund transfers.

Truth in Lending Act ( TILA ) Violation : Under 15 U.S.C. 1601 et seq., TransUnions misreporting of credit accounts and associated data fails to meet the accuracy standards required for the disclosure of credit terms.

Fair Debt Collection Practices Act ( FDCPA ) Violation : The misrepresentation of my debt-related information by TransUnion is a breach of 15 U.S.C. 1692-1692p. Although TransUnion is not a debt collector, their inaccurate reporting contributes to misleading representations about debts.

Consumer Financial Protection Act ( CFPA ) Violation : Under 12 U.S.C. 5531, TransUnion 's actions in my case, including inaccurate reporting and inadequate dispute resolution, constitute unfair and deceptive practices.

Electronic Signatures in Global and National Commerce Act ( E-SIGN ) Violation : electronic records or signatures were involved in my interactions with the credior TransUnion must verify that an orignal contract of application is verifed and provided to me becuasei f not this constitutes it was mishandled, this would constitute a breach of 15 U.S.C. 7001 et seq. 

Right to Financial Privacy Act ( RFPA ) Violation : The inappropriate handling or disclosure of my financial records by TransUnion is in violation of 12 U.S.C. 3401 et seq., designed to protect consumer financial privacy becuase they currently have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my address and this is not my address or previous address and they have allowed creditors to send them this information and report it and everytime i apply i may get denied because of this false address along with other false address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Accounts Affected : The errors have impacted several accounts, including but not limited to : XXXX Account ( XXXX ) : Incorrectly reported late payments. 
XXXX ( XXXX LEASETERM SOLUTIONS, XXXX ) : Original Creditor Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies. 
XXXX XXXX ( XXXX XXXX, XXXX ) : Original Creditor Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies. 
XXXX XXXX ( XXXX ) incorrectly reported late payments. 
adverse entries on my credit report without ensuring I had received the necessary account notifications is akin to making financial decisions in my name. By failing to update my address and subsequently reporting adverse actions, creditors & transunion violated my consumer rights. The unauthorized reporting of a collection or chargeoff or llate payment stemming from their mishandling of my information, mirrors the consequences of traditional identity theft.

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