Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My purse, which contained my personal information, was stolen at a mall. I immediately contacted the mall and continued to reach out multiple times in the hopes that someone had turned in my purse, but unfortunately, it was never recovered. To make matters worse, I've also fallen victim to the XXXX and XXXX data breaches. Upon pulling my credit report, I noticed that new collection accounts had been added, significantly dropping my credit score by over XXXX points. It has come to my attention that someone is using my name and social security number to open fraudulent accounts without my permission. I have not authorized these actions, and they do not belong to me. I've been fighting this identity theft issue for several years now, continually sending dispute letters to rectify the situation. I recently discovered that XXXX XXXX XXXX has placed collection accounts on my credit report for an amount of {$1000.00}, allegedly originating from XXXX XXXX. What concerns me is that XXXX XXXX XXXX possesses my personal information without my consent or authorization from XXXX XXXX. I did not grant XXXX XXXX permission to disclose my personal information to XXXX XXXX XXXX. I insist that all communication from your organization cease immediately, unless it is to discuss a remedy for the violations committed. It is crucial to emphasize that XXXX XXXX XXXX, as an unauthorized third party, has no legal right to access or share my personal information. I have not given my consent for your organization to utilize my personal data in any way. This unauthorized acquisition and use of my information violate my privacy rights and potentially expose me to the unauthorized disclosure of sensitive information. I have contacted XXXX XXXX XXXX, requesting the original verification of the debt, which was refused. This is a direct violation of the law, and I am fully prepared for litigation if this matter is not resolved. Furthermore, your organization is also in violation of 15 U.S.C. 1692c, as I have not given consent for any third party to communicate with me regarding debt collection. I have asked for evidence showing my signature on the loans, and so far, such proof has not been provided. I have been subjected to harassment through mail, emails, and phone calls, and a sheriff has even been dispatched to my address to serve court papers. This treatment is not in accordance with how consumers should be treated and punished for something they didn't do. I intend to make this matter public so that people are aware of how consumers are being treated. I kindly request the immediate removal of these items from my credit report, as I am currently in the process of securing a new car and housing for myself and my daughter to prevent homelessness. These unauthorized fraudulent collection accounts are stopping me from getting a car and a house due to a low credit score these collections has caused me. The actions of XXXX XXXX and XXXX XXXX XXXX are in violation of consumer protection laws, specifically the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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