Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After carefully reviewing my Consumer Reports, I have discovered multiple inaccuracies involving accounts that do not belong to me. These accounts, which have been flagged as potential cases of identity theft, are listed under the following details : XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : XXXX XXXX XXXXXXXX Code : Individual Account Status : XXXX XXXX Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$2100.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$0.00} Credit Limit : {$0.00} Past Due : {$2100.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt, Profit and loss write-off Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Type : Installment Account Type - Detail XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$3000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Closed Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX  XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$64000.00} No. of Months ( terms ) : XXXX High Credit : {$91000.00} XXXX XXXX : {$0.00} Past Due : {$64000.00} Payment Status : XXXXf Last Reported : XX/XX/XXXX Comments : Charged off as bad debt, Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Considering the severity of the situation, it is crucial for me to take immediate action to address these inaccurately reported accounts, which strongly indicate potential identity theft. I have already contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to request a thorough investigation into the matter. In addition to demanding the removal of these fraudulent accounts from my consumer report, I have insisted on receiving concrete evidence or proof validating their existence. 

It is essential to highlight that the inclusion of these disputed accounts on my credit report not only violates the Fair Credit Reporting Act but also poses a significant risk to my creditworthiness. As a victim of identity theft, it is my right to have these accounts removed if they can not be substantiated with irrefutable evidence. 

To summarize, I have taken immediate and necessary steps by reaching out to the relevant institutions to address the inaccurately reported

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