Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I was a victim of identity theft. I have alerts saying my information is compromised on the dark web. Also my wallet with sensitive personal information was lost and computer with personal information taken and compromised. I've filed the proper reports and let all the consumer reporting agencies know of this matter. XXXX was the only company that abided by fcra laws and codes and took proper action and removed these inaccurate fraudulent accounts. Transunion and XXXX are reporting inaccurate and incorrect information on my consumer reports and has failed to follow federal laws and guidelines stated under FCRA Sec 605B ( 15 U.S.C 1681c-2 ) Section 605B of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681c-2 , contains provisions related to the blocking of information resulting from identity theft. Under Section 605B, if a consumer submits an identity theft report to a consumer reporting agency and requests a block on the reporting of information that resulted from the identity theft, the agency must comply with the request within four business days. 

Also, they failed to honor their responsibility under Sec 611 ( a ) of the Fair Credit Reporting act codified at 15 U.S.C 1681i ( a ) which requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' All of these accounts are inaccurate, incomplete, and misleading which further requires consumer reporting agencies to promptly delete from the file of the consumer the information that is found to be inaccurate or incomplete. They obviously didn't do there due diligence before furnishing inaccurate false information which is damaging my reputation and well being. 
Furthermore, under FCRA 15 U.S.C 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.They failed to do so. 
Lastly, I believe these creditors are committing fraud by reporting these debts as charged off but still selling these accounts to bill collectors. They are double dipping getting paid multiple times. Also if these charged off accounts actually belonged to me ( which they absolutely do not ) I should have received a 1099c, but even if i didn't receive a 1099c i would still have to report them as Gross Income on my taxes, so the reporting of these account are inaccurate by law according to the IRS. 

15 U.S.C 1681s-2 says A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE Consumer reporting agencies and Creditors are PROHIBITED by law to furnish accurate information immediately. It is your duty as a furnisher of information to make sure all information is 100 % true and accurate THIS INFORMATION ON MY CONSUMER REPORTS ARE INACCURATE AND INCORRECT. 
In conclusion I am HEREBY putting these agencies and creditors on notice that they are reporting inaccurate information. Please correct this immediately and delete fraudulent inaccurate accounts from my consumer reports. THANK YOU Accounts to be deleted due to identity theft : XXXX XXXX XXXX Transunion and XXXX XXXX XXXX Transunion and XXXX XXXX XXXX XXXX Transunion and XXXX XXXX XXXX XXXXTransunion and XXXX XXXX XXXX Transunion XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, and 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