Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : AUTO XXXX XXXX XXXX XX/XX/XXXX {$360.00} AXCSFFN/CNGO XXXX XX/XX/XXXX {$0.00} CREDIT CENTRAL XXXX XX/XX/XXXX {$660.00} CREDIT CENTRAL XXXX XX/XX/XXXX {$0.00} SCA COLLECTIONS XXXX XXXX XX/XX/XXXX {$3400.00} XXXX & XXXX XXXX XX/XX/XXXX {$1000.00} XXXX & XXXX XXXX XX/XX/XXXX {$1400.00} WORLD FINANCE CORPORAT XXXX XX/XX/XXXX {$770.00} WORLD FINANCE CORPORAT XXXX XX/XX/XXXX {$1000.00} The Following Informations and Inquiries are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX REMBERT, SC XXXX XXXX PLANTION APTS # XXXX H SUMTER, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX T B XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX OAKVALE XXXX XXXX XXXX COWPENS, SC XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX GLOBAL LENDING SERVICE Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX identity has been stolen you XXXX XXXX XXXX on notice. 

Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

XXXX XXXX XXXX Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX states XXXX XXXX XXXX Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have attached all the relevant documents pursuant the above Section of the law. 

I demand all the above Fraudulent accounts DELETED immediately. 

I Demand an updated copy of my Consumer file reflecting these changes ( XXXX XXXX XXXX XXXX XXXX Access to free reports ) Be Advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ) FTC Attorney XXXX XXXX XXXX XXXX state and Mine Thank you, 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