Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The purpose of this complaint is to inform you that an improper investigation was conducted by your company. I contacted the Federal Trade Commission and filed an FTC complaint which is attached. There are accounts that have been reinserted on my consumer report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship and discouragement. 

On XX/XX/2021 I sent written notice to Trans Union informing you that I have become a victim of identity theft and the fraudulent accounts being reported on my consumer report must be removed and/or blocked pursuant to the FCRA. 

On XX/XX/2021 I received written notice from Trans Union that the fraudulent accounts have been removed and blocked from my consumer report and a fraud alert has been placed on my consumer profile. 
Upon reviewing my most recent consumer report, I noticed the fraudulent accounts that were previously removed have been reinserted on my consumer report on XX/XX/2021. 

As of XX/XX/2021 I have not received any notice of these previously deleted fraudulent accounts being reinserted on my consumer report. Pursuant to the FCRA, I must receive notification of any accounts being reinserted to on my consumer report within ( 5 ) days, in addition to the method of verification. 

Trans Union has committed the following FCRA violations : Failed to provide me with the method of verification as required under Section 611 ( a ) ( 7 ). 

Failed to provide me with a copy of any original documentation for example, a consumer contract with my wet-ink signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Failed to provide copies of all information regarding the alleged-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. 

Failed to remove and/or block fraudulent accounts resulting from identity theft being reported on my consumer report. 

Please be advised you are required to block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

List of fraudulent accounts ; Please See Below : 1. Misleading false reporting. This account is in violation under FDCPA section 807 XXXX XXXX XXXX XXXX Amount : {$8000.00} 2. Misleading false reporting. This account is in violation under FDCPA section 807 XXXX XXXX XXXX XXXX Amount : {$1000.00} In addition, I demand the following fraudulent Inquiries be DELETED from my credit report immediately. 

XXXX XXXX - XX/XX/2021 XXXX XXXX XXXXXXXX XXXX - XX/XX/2021 XXXXXXXX XXXX XXXX  XXXX - XX/XX/2021 XXXXXXXX XXXX  - XX/XX/2021 Please be aware all required documentation is attached with this complaint and has been faxed and mailed via USPS Certified mail to your company. 

Attachments : Copy of Drivers License Copy of Social Security Card Copy of current Utility Bill Copy of FTC Identity Theft Report # XXXX Copy of Police Report # XXXX Copy of TransUnion consumer report with fraudulent accounts highlighted ( XX/XX/2021 ) Copy of Identity Theft Statement Copy of XXXX Data Breach Victim Settlement Copy of U.S. Postal Inspection Service Identity Theft Complaint Copy of Notary Acknowledgement Copy of Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) Please send an updated copy of my consumer report and the results of your findings to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I look forward to an expedient resolution of this matter,

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