Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ACCOUNT, I'm NOT USING ANY THIRD PARTY TO REPRESENT MYSELF. I'M sending this dispute because of NEW EVIDANCE. 
I pulled up my credit Report from XXXX XXXX and Noticed that Transunion has report incorrect information on my report. 
Also, I send letter to Transunion and notified them that I have been a victim of identity theft and my information has been stollen, as a result I have had a lot of different addresses that I never lived before or now. Transunion Bureau has corrected that information but they still reporting a few accounts that I never authorized to open : XXXX XXXX DC XXXX- this is not mine, fraud account, Finally, you are reporting the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, they are a result of attempts to open account. 
XXXX CO XXXX XXXX XXXX : XXXX. XXXX, 2022 - I HAVE NEVER AUTHORIZED THAT INQURY this is not a factual data, this is ITEM of FRAUD ACTIVITY ON MY ACCOUNT. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
There is also account XXXX XXXX XXXX - that you reported this account twice - XXXX times. YOU CAN '' T report DUPLICATE ACCOUNT. I WAS NEVER LATE OF PAYMENTS ON THIS ACCOUNT. YOU ARE REPORTING THE SAME ACCOUNT WITH DIFERENT STATUS. HOW THIS CAN HAPPEND?? PLEASE REMOVE THIS INCORECCT INFO IMMEDIATLY. 
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. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
I made an attempt to file a police report, but I was informed by XXXX XXXX that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In accordance with the Fair Credit Reporting act. The List of account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.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. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I have included in this complaint my Proof of address ( XXXX ), ID, Copy of my SSN Card, copy of FTC REPORT, XXXX act.

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