Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM THIS MAY CONCERN : THIS NOTICE IS TO INFORM YOU THAT YOU UNLAWFULLY REPORTED FRAUDULENT ACCOUNTS/ITEMS THAT AROSE FROM IDENTITY THEFT THAT YOU DID NOT VERIFY AS REQUIRED BY LAW ON MY CONSUMER REPORT. THEN LIE AND SAID I DID NOT GIVE YOU THE FULL POLICE REPORT DOCUMENTATION.

15 USC 1681b ( c ) SPEAKS ABOUT FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE NOT INITIATED BY CONSUMER ( 3 ) INFORMATION REGARDING INQUIRIES ; EXCEPT AS PROVIDED IN SECTION 1681 g ( a ) ( 5 ) OF THIS TITLE, A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY THE CONSUMER. 

THE FOLLOWING ITEMS/INQUIRIES ARE RESULT OF IDENTITY THEFT AND WAS NOT INITIATED BY ME, I DEMAND THAT THEY BE BLOCKED & DELETED IMMEDIATELY! 


INQUIRY/ITEM ACCOUNT : XXXX XXXX XXXX XXXX, XX/XX/XXXX INQUIRY/ITEM ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX INQUIRY/ITEM ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MY IDENTITY HAS BEEN STOLEN! AND YOU ARE HEREBY PUT ON NOTICE! 
AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A ( 1 ) IN GENERAL.- WHOEVER, DURING AND IN RELATION TO ANY FELONY VIOLATION ENUMERATED IN SUBSECTION ( C ), KNOWINGLY TRANSFERS, POSSESSES, OR USES, WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ANOTHER PERSON SHALL, IN ADDITION TO THE PUNISHMENT PROVIDED FOR SUCH FELONY, BE SENTENCED TO A TERM OF IMPRISONMENT OF 2 YEARS. 

AN IDENTIFICATION OF ME HAS BEEN USED WITHOUT MY PERMISSION TO OPEN SEVERAL ACCOUNTS THAT HAVE DAMAGED MY REPUTATION AND DAMAGED MY MODE OF LIVING BECAUSE YOU FURNISHED A CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION AS STATED BY FEDERAL LAW. 

15 USC 1681b PERMISSABLE PURPOSE OF CONSUMER REPORTS ( a ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER.

( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

YOU TRANSUNION HAVE AIDED THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS/ITEMS.

CONGRESS STATES 15 USC 1681b FAIR CREDIT REPORTING ACT ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTS ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY. 

INQUIRY/ITEM ACCOUNT : XXXX XXXX XXXX XXXX, XX/XX/XXXX INQUIRY/ITEM ACCOUNT : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PURSUANT 15 U.S. CODE 1681C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT.

EXCEPT OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECIEPT BY SUCH AGENCY OF...

( 1 ) APPROPRIATE PROOF OF IDENTITY OF THE CONSUMER ( 2 ) A COPY OF IDENTITY THEFT REPORT ( 3 ) THE IDENTIFICATION OF SUCH INFORMATION BY THE CONSUMER ; AND ( 4 ) A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER.

I HAVE ATTACHED ALL THE RELEVANT DOCUMENTS PURSUANT THE ABOVE SECTION OF THE LAW.

I DEMAND ALL THE ABOVE FRAUDULENT ACCOUNTS BE DELETED/BLOCKED IMMEDIATELY.

I DEMAND AN UPDATED COPY OF MY CONSUMER FILE REFLECTING THESE CHANGES ( 15 USC 1681 C-1 2 ACCESS TO FREE REPORTS ) ( 2 ) ACCESS TO FREE REPORTS IN ANY CASE IN WHICH A CONSUMER REPORTING AGENCY INCLUDES FRAUD ALERT IN THE FILE OF A CONSUMER PURSUANT TO THIS SUBSECTION, THE CONSUMER REPORTING AGENCY SHALL -- ( A ) DISCLOSE TO THE CONSUMER THAT THE CONSUMER MAY REQUEST A FREE COPY OF THE FILE OF THE CONSUMER PURSUANT TO SECTION 1681j ( d ) OF THIS TITLE ; AND BE ADVISED I WILL CC THE BUREAU OF CONSUMER PROTECTION FINANCIAL ( CFPB ) FTC BBB ATTORNEY OF GENERALS OFFICE IN YOUR STATE AND MINE THANKYOU XXXX XXXX XXXX XXXX. 

ENCLOSED IS : COPY OF ID, UTILITY BILL, SHOWING PROOF OF ADDRESS, COPY OF SOCIAL SECURITY CARD, BIRTH CERITIFICATE, FTC IDENTITY THEFT REPORT, AND LOCAL POLICE REPORT

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