Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
( TransUnion ) XXXX XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has XXXX  my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. Ive also mailed in certified letters to TransUnion. I received nothing. The thieves even went as far as filing fraudulent XXXX XXXXs on my behalf! The thieves are continuing to use my credit. Ive faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. He notice several instances where TransUnion are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. TransUnion continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that TransUnion did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA. If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If TransUnion fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As TransUnion has violated the FCRA. TransUnion has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by XX/XX/XXXX. 



***** ( FRAUDULENT ADDRESSES ) ***** ( XXXX ). XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ***** ( FRAUDULENT ACCOUNTS ) ***** XXXX. XXXX XXXX {$12000.00} XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$250.00} XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXXT {$410.00} XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX {$370.00} XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX {$250.00} XXXX  Date Opened XX/XX/XXXX **** ( FRAUDULENT INQUIRIES ) **** 1. XXXX CHEVROL Inquired on XX/XX/XXXX XXXX ACCEPTANCE Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. 
TRANSUNION XXXXXXXX XXXX XXXXXXXX Transunion XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Vice XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX TransUnion XXXX Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. 

ATTN : Transunion fraud department Please do not place a fraud alert on my credit profile. I am aware of the circumstances and understand the risk. I still would like these fraud and erroneous accounts of my credit to be processed to the full extent of the FCRA under the guidelines of identity theft.

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