Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear XXXX, We are writing to follow up on the ID theft claim submitted on XX/XX/2023. The XXXX XXXX XXXX sincerely appreciates the opportunity to respond to your concerns regarding your experience with the XXXX XXXX loan product. 

After reviewing and investigating your claim, we were unable to locate any evidence of fraud or identity theft within this application or account. 

We confirm an applicants identity using a variety of data sources including but not limited to : information provided to us by the applicants, the information provided by the credit bureaus, records of correspondence between our applicants both written and over the phone, and other proprietary systems. We also confirm that the proceeds of any loans disbursed in an applicants name are received by a verified bank account that is registered in the applicants identity. 

We understand that it is frustrating that we can not provide more details than what was explained above. However, we believe that the confidentiality of the processes we use to look for potential identity theft helps to maintain the effectiveness of those processes. If you are able to supply additional evidence that supports your identity theft claim, we would be happy to refresh our investigation. 

At XXXX XXXX, we are committed to providing an excellent customer experience and we appreciate that you took the time to share your feedback with us. 

If you have any additional comments or questions, please dont hesitate to reach out to us. You can call us at XXXX. We are available Monday-Friday from XXXXXXXX XXXX XXXX XXXX XXXX Pacific Time and Saturday from XXXXXXXX XXXX XXXX XXXX XXXX Pacific Time or email us directly at XXXX. 

Regards, The XXXX XXXX XXXX XXXX XXXX. 
Verification Analyst XXXX XXXX XXXX XXXX XXXX 

Disclaimer : This email and its contents are confidential and intended only for you. XXXX XXXX is not liable for any loss or damage that may arise from this email or any attachments. Unless we specifically say, we will not enter into a contract over email. 

XXXX XXXX works with lending partners to ultimately originate loans. Information about our Lending Partners, including their address, financial institution type and charter, as well as links to their websites and privacy policies can be found on our Lending Partners page. Individual borrowers must be at least XXXX XXXX XXXX and have valid social security and a valid checking account. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in : MA and NV. Our mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX This email is a service from XXXX XXXX Member Experience. Delivered by XXXX. 
[ XXXX ] My response to XXXX XXXX : This is unacceptable, I asked your department to provide me with documentation or any correspondence that shows this is my account. You basically waited a couple of days to respond by stating " we can't tell how we know but this is your account ''. This violates all types of laws and rights, specifically FCRA. I will be taking this a step further if this issue is not resolved. I will not accept this explanation. 


XXXX XXXX final response : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Member Experience ) XX/XX/2023, XXXX XXXX PDT Dear XXXX, Thank you for reaching out. At this time we are unable to provide additional information other than what was provided in our original email response. We appreciate your time and are sorry we can not be of further assistance.

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