Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to file a formal dispute regarding a fraudulent account that has been erroneously reported on my TransUnion credit report. I recently obtained a copy of my credit report and was dismayed to discover an account with XXXX ( Account XXXX : XXXX ), XX/XX/2019, categorized under XXXX, that I have never authorized or opened. 

As a responsible consumer, I take great care to monitor my credit report regularly to ensure its accuracy and protect myself against any fraudulent activity. Unfortunately, due to a series of events and circumstances beyond my control, I did not notice the presence of this fraudulent account until now. Allow me to provide a detailed explanation and supporting evidence to prove my victimhood in this case. 

1.Realistic Reason # 1 : Identity Theft : In the months leading up to the fraudulent account 's creation, my personal information was compromised in a massive data breach, affecting a prominent online retailer. This breach exposed sensitive personal data, including my name, address, and Social Security number, making me an easy target for identity theft. 

2.Realistic Reason # 2 : Sophisticated Fraudulent Techniques : The fraudster responsible for opening this account employed sophisticated techniques to deceive and manipulate the system. They may have skillfully imitated my signature or falsified identification documents, making it incredibly difficult for me to detect the fraudulent activity until it surfaced on my credit report. 

I would like to emphasize that TransUnion is the only credit bureau reporting this fraudulent account. XXXX and XXXX, the other major credit reporting agencies, do not have any record of this account. This fact further supports the notion that this account is fraudulent and underscores the urgency for immediate action to remove it from my credit report. 

In light of the above circumstances, I kindly request that you take the following actions : 1.Investigation : Initiate a thorough investigation into the legitimacy of the account in question. I request your assistance in determining the origin of this fraudulent account and the identity of the perpetrator. 

2.Deletion : Per the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer, I request the immediate deletion of this fraudulent account from my TransUnion credit report. Its presence on my credit report is tarnishing my creditworthiness and may have severe consequences for my financial future.

3.Correction : As part of the investigation, I urge you to correct any inaccurate information on my credit report resulting from this fraudulent account. It is crucial to restore my credit report to its accurate and reliable state, ensuring my creditworthiness is not compromised due to someone else 's fraudulent activities. 

I would like to remind you of the rights and protections afforded to me under federal law, including the FCRA, which mandates that credit reporting agencies investigate and rectify any disputed or fraudulent accounts on consumers ' credit reports. Additionally, I expect your full cooperation in ensuring my rights as a victim are respected throughout the resolution process. 

Enclosed with this letter, please find copies of supporting documents.I trust that this information will aid in your investigation and facilitate a prompt resolution to this matter. 

I kindly request your immediate attention to this dispute and expect a timely response within 30 days, as stipulated by the FCRA. I would prefer to receive all communication regarding this matter in writing to maintain a clear record of our correspondence. 

Thank you for your prompt attention to this matter, and I trust that the Consumer Financial Protection Bureau will work diligently to address this issue and rectify the damage caused by this fraudulent account. 

Yours 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 explanation