Consumer complaint received 2023-11-04
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. (MO)

I am a victim of identity theft. I am submitting this complaint to bring the Bureaus attention to the unfair practices of Transunion. On XX/XX/XXXX, my personal information was fraudulently misused in a XXXX XXXX XXXX XXXX credit card application. The credit card application consisted of my name, date of birth, and social security number in combination with my fathers home address whom which I share the same name. Furthermore, the phone number listed on the credit card application isnt mine and there is no email address listed on the application despite having a space for it. The most alarming issue with the credit card application is that there is even a space for a consumer to enter their drivers license information, however the drivers license number on the application is XXXX with no issuing state. Finally, the application reflects that it was verified by : system. Upon submission of the fraudulent credit card application, Transunion furnished my consumer report to XXXX XXXX XXXX XXXX without my written consent, a violation of 15 U.S.C. 1681b ( 2 ). I also must reiterate that the fraudulent credit card application blatantly displays that there was no proper identification provided to XXXX XXXX XXXX XXXX, which further proves that Transunion could not possibly have had a reason to believe that there was a legitimate business reason for the furnishing of my consumer report OR a reason to believe that XXXX XXXX XXXX XXXX was provided with identification prior to the submission of the fraudulent credit card application, a violation of 15 U.S.C. 1681b ( 3 ) ( A ) and 15 U.S.C. 1681c ( h ) ( 2 ) ( b ) ( i ). After the unlawful furnishing of my consumer report by Transunion, XXXX XXXX XXXX XXXX opened up a credit card account which is now being furnished on my consumer report despite my constant demands for the fraudulent account to be closed and removed from my consumer report. I sent Transunion and XXXX XXXX XXXX XXXX XXXX notice of the identity theft and requested the block and removal of the fraudulent hard inquiry and credit card account from my consumer report pursuant to 15 U.S.C. 1681c-2 ( a ). Instead of closing the account, XXXX XXXX XXXX XXXX replaced the fraudulent information with my actual information that I provided in my XX/XX/XXXX identity theft notice. My information was not provided to XXXX XXXX XXXX XXXX for them to falsify their records in order to misrepresent the ownership of this fraudulent account. XXXX XXXX XXXX XXXX knowingly possessed my identification information and used it without lawful authority, a violation of 18 U.S.C. 1028A ( a ). This is not an allegation, but a fact that has been CONFIRMED by an XXXXXXXX XXXX XXXX XXXX XXXX representative XXXX XXXX on XX/XX/XXXX. I have the full call recorded and Im more than willing to provide it to any investigator. Transunion received my identity theft notice on XX/XX/XXXX per USPS certified tracking. I received a letter from Transunion containing dispute results with a file number of XXXX and a date of XX/XX/XXXX. While Transunion properly deleted the hard inquiry requested by XXXX XXXX XXXX XXXX ( abbreviated to XXXX on the dispute results ) at XXXX XXXX XXXX, XXXX, OH XXXX, they erroneously verified the fraudulent XXXX XXXX XXXX XXXX credit card account in the same investigation, a clear violation of 15 U.S.C. 1681e ( b ). There is absolutely no way to justify the verification of an account that was opened as a direct result of the submission of a fraudulent application, the account is unverifiable by default. It is even more appalling that the fraudulent credit card account was verified as accurate when Transunion deemed the hard inquiry as fraudulent in THE SAME INVESTIGATION. Transunions failure to delete the fraudulent XXXX XXXX XXXX XXXX credit card from my consumer report, while simultaneously deleting the hard inquiry tied to the account, is a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). After receiving the contradicting results from Transunion, I sent another dispute outlining the aforementioned discrepancies in the results of their previous investigation, sent a complaint to my State Attorney General, and submitted a complaint through the bureau. The complaint ID is XXXX. I received another letter from Transunion containing another round of dispute results with the same file number XXXX and a date of XX/XX/XXXX. The results stated that Transunion deleted the fraudulent XXXX XXXX XXXX XXXX credit card account from my consumer report. On XX/XX/XXXX, I applied for a XXXX credit card and was denied due to the presence of a derogatory account on my Transunion consumer report. I was extremely confused and pulled my Transunion consumer report the following day. To my surprise, the fraudulent XXXX XXXX XXXX XXXX credit card account along with three unknown phone numbers were being furnished on my consumer report. However, the hard inquiry that resulted in the opening of the fraudulent account was not listed on my consumer report, further proving Transunions knowledge of the fraudulent nature of the credit card account. Transunion completely failed to notify me of the reinsertion by any form of communication within 5 business days of the reinsertion, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). I sent yet another dispute to Transunion and another complaint to my state attorney general. On XX/XX/XXXX, Transunions legal department responded to my aforementioned CFPB complaint XXXX stating that the XXXX XXXX XXXX XXXX account was deleted from my consumer report. However, the account was not deleted from my consumer report. I do not appreciate Transunion blatantly lying as a response to my complaint through the Consumer Financial Protection Bureau. Shortly after, I received a letter from Transunion stating that they failed to notify me of the reinsertion due to an isolated technical issue, which further proves Transunions violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). On XX/XX/XXXX, Transunion responded to my complaint with the state attorney general, stating that they sent me notification of the reinsertion on XX/XX/XXXX via mail, which was already determined to be untrue in the failure to notify letter mentioned above. It is unfair for Transunion to be profiting off of violating a list of federal laws, misrepresenting facts to the bureau, and misrepresenting facts to the office of the attorney general at my expense. I have attached my drivers license as proper identification, a utility bill, FTC identity theft report, FBI police report, Transunions XX/XX/XXXX investigation results, Transunions XX/XX/XXXX investigation results, Transunions failure to notify apology letter, and a copy of the fraudulent XXXX XXXX XXXX XXXX credit card application.