Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 It May Concern, I am writing to delete the following information Currently reporting on my consumer profile. The items I need deleted are listed in the attached documents. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items listed within the time frame provided by the law listed below : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting 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 receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an 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.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$360.00} Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/XXXX Balance {$2.00} Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$690.00} Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Inquiries : XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time time. I'm demanding CFPB to enforce the correction and or deletion of these items I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 
also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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