Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Dear Sir/Madam, I am writing to request the immediate removal of fraudulent accounts that have appeared on my TransUnion credit report. I have recently discovered these unauthorized accounts and wish to rectify this situation promptly. As a victim of identity theft, I kindly request your assistance in resolving this matter. 

The fraudulent accounts listed on my TransUnion credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX I would like to emphasize that I have never had any dealings or financial transactions with the entities associated with these accounts. The appearance of these fraudulent accounts has greatly affected my creditworthiness and has caused significant distress. I have meticulously reviewed my financial records and can confirm that there is no legitimate reason for these accounts to be present on my credit report. 

Given the circumstances, I believe it is crucial to investigate the origin of these fraudulent accounts. I am unable to provide any concrete evidence regarding how these accounts were established, as I have no knowledge of their origin. However, I assure you that I have been diligent in monitoring my credit report, and I would have taken immediate action if I had noticed these accounts earlier. The delay in discovering these fraudulent accounts is a testament to the cunning and sophistication of the identity thieves involved. 

I would like to bring to your attention that, as a consumer, I am protected by various laws and regulations, including the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 611, it is my right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, Section 605B of the FCRA stipulates that fraudulent accounts resulting from identity theft should be promptly removed from my credit report, once their fraudulent nature has been established.

I request that you thoroughly investigate the legitimacy of these accounts and take immediate action to delete them from my TransUnion credit report. This will help restore my creditworthiness and protect my financial standing, as well as provide me with the peace of mind that comes from resolving this distressing situation. 

Enclosed with this letter are copies of my personal identification documents, including my driver 's license and Social Security card, to verify my identity and aid in your investigation. I trust that you will handle this matter with the utmost urgency and professionalism. 

I sincerely appreciate your attention to this matter and anticipate a prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your understanding and cooperation. 

Yours faithfully, XXXX 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 non-monetary relief