Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this report to address multiple instances of identity theft and fraud affecting my consumer XXXX TransUnion credit report, resulting in fraudulent accounts, collections, hard inquiries, and charge-offs. The fraudulent accounts include credit cards and loans opened at various institutions without my authorization. These accounts consist of a Credit Card opened at XXXX XXXX on XX/XX/XXXX under Account Number XXXX, multiple XXXX XXXX opened at XXXX XXXX ( on XX/XX/XXXX under Account Number XXXX, on XX/XX/XXXX under Account Number XXXX, and on XX/XX/XXXX under Account Number XXXX ), and a Credit Card opened at XXXX XXXX  on XX/XX/XXXX under Account Number XXXX. Additional fraudulent accounts include a loan opened at XXXX XXXX  on XX/XX/XXXX under Account Number XXXX, another loan at XXXX XXXX  on XX/XX/XXXX under Account Number XXXX, a Credit Card opened at XXXX XXXX  XXXX  on XX/XX/XXXX under Account Number XXXX, a Credit Card at XXXX XXXX XXXX on XX/XX/XXXX under Account Number XXXX, and a Credit Card XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under Account Number XXXX. Further unauthorized accounts consist of a loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under Account Number XXXX, a Credit Card opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under Account Number XXXX, additional XXXX XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX ( both under Account Number XXXX ), and a Credit Card XXXX XXXX XXXX XXXX on XX/XX/XXXX under Account Number XXXX. These fraudulent entries have impacted my credit report through unauthorized collections, charge-offs, and hard inquiries. I demand the immediate removal of all listed fraudulent items from my consumer credit report, along with the cessation of related collection activities, pursuant to my rights under the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.