Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you in good health. I am writing to express my deep frustration and concern regarding the ongoing presence of fraudulent items on my credit report, despite my repeated attempts to have them removed. The accuracy and integrity of my credit report are of utmost importance to my financial well-being, and I have made every effort to address and rectify the inaccuracies that have negatively impacted my creditworthiness. 

Over a significant period of time, I have identified numerous fraudulent items on my credit report when obtaining a copy from your agency. These fraudulent items encompass [ list specific fraudulent items, such as unauthorized accounts, identity theft, etc. ], and I want to emphasize that I have never authorized, engaged with, or had any association with these accounts. These fraudulent entries have not only significantly lowered my credit score but have also caused extensive financial hardship. 

In strict adherence to the Fair Credit Reporting Act ( FCRA ), I have consistently initiated disputes with your agency to have these fraudulent items removed. Each time, I have provided the necessary documentation and evidence to substantiate my claims, with the genuine expectation of a thorough and timely investigation. 

Regrettably, my diligent efforts have yielded no resolution or response from your agency within the 30-day investigation period stipulated by the FCRA. This continued lack of response infringes upon my rights as a consumer and perpetuates the financial harm I endure due to these fraudulent entries. 

Despite the considerable evidence I have provided to support my claims and the multiple attempts I have made to address this issue, these fraudulent items persist on my credit report, causing ongoing damage to my financial well-being. 

I insist that you take immediate and definitive action to investigate and remove these fraudulent items from my credit report, as mandated by the FCRA. Furthermore, I request a written response outlining the results of your investigation and the actions taken to rectify my credit report within the legally mandated timeframe. 

Failure to resolve this matter promptly and effectively will compel me to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. I am fully prepared to pursue any necessary recourse to ensure the accuracy and integrity of my credit report. 

Enclosed with this letter, you will find copies of all relevant documentation, including previous dispute letters, supporting evidence, police reports, identity theft affidavits, and any other documentation substantiating my claims. These documents unequivocally demonstrate the fraudulent nature of the items in question and emphasize the urgency in their removal from my credit report. Kindly assist me to remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XX/XX/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 explanation