Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern, I am filing this formal complaint as a victim of the widely publicized XXXX data breach. I have been directly affected, as evidenced by the attached XXXX communication confirming the breachs impact on my personal information. 

As a result of this breach, multiple unauthorized and erroneous entries have appeared on my credit report, which I believe have been sold and bought illegally. These negative accounts are as follows : XXXX XXXX XXXX options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Add a custom Message Last Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX XXXX Status : Collection/Chargeoff Account Rating : Creditor Type : Credit Card Account Status : Derogatory Show More Dispute Account : All Bureaus TransUnion XXXX XXXX XXXX XXXX Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late Payment XXXX Account # : XXXX Add a custom Message Last Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : XXXX Account Rating : Creditor Type : Credit Card Account Status : Derogatory Balance Owed : {$600.00} Date Opened : XX/XX/XXXX High Balance : {$610.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$600.00} Account Type : Revolving Payment Frequency : Credit Limit : {$500.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History Account # XXXX XXXX Add a custom Message Last Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating XXXX Creditor Type : Auto Loan Account Status : Derogatory Balance Owed : {$11000.00} Date Opened : XX/XX/XXXX High Balance : {$21000.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$11000.00} Account Type : Installment Payment Frequency : Credit Limit : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : XXXX XXXX XXXX  Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History Account # : XXXX Add XXXX custom Message Last Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating : Creditor Type XXXX Auto Loan Account Status : Derogatory Balance Owed : {$9200.00} Date Opened : XX/XX/XXXX High Balance : {$24000.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$9200.00} Account Type : Installment Payment Frequency : Credit Limit : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : XXXX XXXX Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History Account # : XXXX Add a custom Message XXXX Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating : Creditor Type : Credit Card Account Status : Derogatory Balance Owed : {$200.00} Date Opened : XX/XX/XXXX High Balance : {$320.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$200.00} Account Type : Revolving Payment Frequency : Credit Limit : {$200.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : XXXX XXXX Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History Account # : XXXX Add a custom Message Last Reported on XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating : Creditor Type : Credit Card Account Status : XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX High Balance : {$1100.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$1100.00} Account Type : Revolving Payment Frequency : Credit Limit : {$850.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : XXXX XXXX XXXX XXXX options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX Late Payment History Account # : XXXX XXXX a custom Message Last Reported XXXX XXXX XX/XX/XXXX XXXX XXXX Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating : Creditor Type : Unknown - credit extension, review, or collection Account Status : Derogatory Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX High Balance : {$1500.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Customer disputed account - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Payment Amount : {$0.00} Last Payment : - Term Length : XXXX Past Due Amount : {$1500.00} Account Type : Open Account Payment Frequency : Credit Limit : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : In the aftermath of the breach, I have spent significant time and resources attempting to correct my credit report, including : XXXX XXXX repeatedly to dispute errors ; Drafting and mailing dispute letters ; Examining credit reports for inaccuracies ; Visiting the post office to send communications ; Engaging in certified mail transactions for legal proof of dispatch and receipt. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request a detailed investigation. XXXX acknowledgment of the data breach incident, which led to the exposure of my sensitive personal data, substantiates the invalidity of the accounts listed. 

I am seeking the XXXX XXXX XXXX XXXX assistance in ensuring that these inaccuracies are investigated and that the wrongful accounts are deleted from my credit report promptly. 

I am requesting that the CFPB facilitate the following actions : XXXX. An immediate and thorough investigation into the disputed accounts. 
XXXX. XXXX with XXXX to ensure the deletion of these inaccuracies. 
XXXX. Confirmation of the removal of all erroneous entries from my credit report. 

Enclosed are all the relevant documents, including proof of the data breach acknowledgment from XXXX and records of my efforts to remedy this situation. 

Thank you for your attention to this serious matter. I am looking forward to a resolution that rectifies the damages I have suffered due to this data breach.

Company response to consumer: In progress