Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention an urgent matter regarding fraudulent accounts that have appeared on my TransUnion credit report. As a victim of identity theft, I kindly request your assistance in removing the following fraudulent accounts and inquiry from my credit report : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00} XXXX XXXX ( Inquiry ) - XXXX XXXX, XXXX These accounts have caused significant distress and financial harm, as I have never had any dealings or authorized any transactions with the aforementioned financial institutions. I am providing this detailed explanation along with the necessary supporting documentation to prove my innocence and establish the fraudulent nature of these accounts. 

Firstly, I would like to address the fraudulent accounts themselves. The XXXX XXXX XXXX and XXXX XXXX accounts, both of which were opened during the period of XXXX, were entirely unknown to me until recently. This omission is not due to negligence or lack of attention on my part, but rather a result of the sophisticated methods employed by identity thieves. These individuals were able to obtain and misuse my personal information without my knowledge or consent, leading to the creation of these fraudulent accounts. 

I suspect that my personal information may have been compromised during the aforementioned period, which could explain why I failed to detect these fraudulent activities at the time. Unfortunately, as a victim of identity theft, I was unaware of the existence of these accounts until they appeared on my credit report. Since then, I have taken swift action to rectify this situation by notifying the credit bureaus, and implementing additional security measures to protect my personal information. 

Furthermore, I kindly request the immediate removal of the following fraudulent addresses associated with the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX can unequivocally prove that these addresses are not mine and are, in fact, fraudulent. I have attached a copy of my government-issued identification card along with a recent utility bill bearing my true residential address, which is XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX XXXX These documents serve as irrefutable evidence of my identity and clearly establish that the aforementioned addresses are not linked to me in any way. 

As a law-abiding citizen, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). These laws explicitly grant me the right to dispute inaccurate or fraudulent information on my credit report. I believe that the presence of these fraudulent accounts and inquiry violates my rights under these statutes, and I trust that the Consumer Financial Protection Bureau will exercise its authority to ensure a fair and accurate representation of my credit history. 

In light of the above, I kindly request the immediate deletion of the fraudulent accounts and inquiry from my TransUnion credit report. I implore the Consumer Financial Protection Bureau to take swift and decisive action to rectify this unjust situation and restore the integrity of my credit profile. 

Thank you for your attention to this matter. I am confident that, with your assistance, we can resolve this issue promptly and restore the accuracy of my credit report. I look forward to a favorable resolution and will be eagerly awaiting your response. 

Sincerely, XXXX XXXX

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