Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a matter of utmost importance concerning my TransUnion credit report. It has come to my attention that there are two fraudulent accounts listed on my credit report, which I firmly believe were created without my knowledge or consent. I kindly request your immediate intervention to rectify this issue. 

Below are the details of the fraudulent accounts on my TransUnion credit report : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date of Last Activity : XX/XX/XXXX Balance : {$210.00} I must emphasize that TransUnion is the only credit bureau reporting these fraudulent accounts, as they do not appear on my XXXX or XXXX reports. This raises serious concerns about the accuracy and integrity of my TransUnion credit report. I believe that my rights as a consumer have been violated, and I seek your assistance in addressing this matter promptly. 

The following reasons explain why I did not notice the fraudulent accounts on my credit report earlier : 1.Sophisticated Identity Theft Techniques : The fraudster behind these accounts employed advanced identity theft techniques, making it difficult for me to detect the fraudulent activity. This includes the creation of authentic-looking account statements and the use of stolen identification information. 

2.Lack of Routine Monitoring : While I strive to maintain regular monitoring of my credit report, due to personal circumstances, I was unable to check my TransUnion report for an extended period. This provided the perpetrator with an opportunity to establish these fraudulent accounts without my knowledge.

3.Delayed Notification : The financial institutions associated with the fraudulent accounts failed to notify me promptly of any suspicious activities, allowing the fraud to go undetected until now. This delayed notification further complicated the situation and contributed to the account 's longevity on my credit report. 

I kindly request that the Consumer Financial Protection Bureau exercise its authority to investigate and resolve this matter swiftly. I urge you to utilize all available resources and work closely with TransUnion to delete these fraudulent accounts from my credit report, ensuring that my credit history accurately reflects my financial responsibility.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report. Section 611 ( a ) of the FCRA explicitly states that the credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. Given that the other major credit reporting agencies do not include these fraudulent accounts, it is evident that there has been a failure on TransUnion 's part to uphold these responsibilities.

I kindly request that you take the following actions on my behalf : 1.Initiate a thorough investigation into the fraudulent accounts mentioned above, including contacting the respective financial institutions to verify the legitimacy of these accounts.

2.Immediately delete the fraudulent accounts from my TransUnion credit report, ensuring that they no longer have any impact on my creditworthiness.

3.Provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.

I trust in the Consumer Financial Protection Bureau 's commitment to consumer rights and its ability to address this matter effectively. I appreciate your attention to this serious issue and look forward to a prompt resolution. Should you require any additional information or documentation to support my case, please do not hesitate to contact me. 

Thank you 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