Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
1. IDENTITY THEFT : [ RE : ACCOUNT XXXX ACCOUNT XXXX ] I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$16000.00} Account Number : XXXX Balance of {$3800.00} XXXX XXXX : XXXX Student loans were taken out under my name on XX/XX/XXXX, for XXXX University XXXX I have never heard of this university nor gone to this university. US dept of education and XXXX have been reporting addresses I have never lived at as well. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
_____________________________________________________________________ 2 : IMPROPER USE OF MY CREDIT REPORT : [ RE : ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX BANK XXXX XXXXXXXX XXXX ACCOUNT XXXX ] I have contacted you on several occasions regarding issues and incorrect information within my credit report. I do not recognize unauthorized items ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX. You have rejected my request to remove the information altogether on my credit report. You keep verifying info through a computer-based system and not thoroughly investigating. This is out of order and violates several FCRA laws and codes of ethics. According to the FCRA, I have the right to an accurate credit report. This rule revises Regulation XXXX XXXX XXXX XXXX XXXX which implements the Fair Debt Collection Practices Act ( FDCPA ), the Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

Late Payment : XXXXXXXX XXXX  XXXX Account XXXX XXXX A representative at XXXX told me the late payment in XX/XX/XXXX, was a system error. Please delete. 

Inquiries : I did not authorize the credit inquiry listed below. Please remove them from my credit profile and credit report. 
Creditor Name : XXXX XXXX NA Date of Inquiry : XX/XX/XXXX This is not an accurate representation of who I am as a consumer. All of my payments have been paid on time since the account was opened. Please reinvestigate this matter and delete the disputed items as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted and send me a copy of the updated credit report. I have sent letters in certified mail and submitted complaints with CFPB for the record.

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