Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is not a duplicate complaint and I'm representing myself by myself. I'm not using any third party for this matter and I'm very well acknowledge of my rights. 
This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
The trade lines listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating this account. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX5 USC 1681. 
The list of accounts which were opened since I became a victim of identity theft : XXXX ( Original creditor : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX XXXX ) - XXXX XXXXXXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information XXXX. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts doesn't belong to me. This means that you are reporting incorrect accounts information within my credit report. It is with this in mind that I request that this listed accounts and items be BLOCKED and DELETED! 

Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( XXXX ). 
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

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