Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. As a survivor of XXXX XXXX, certain accounts and debts were incurred under duress without my knowledge or consent. These accounts do not accurately reflect my financial behavior and were established as a direct result of criminal activities committed by those who exploited me.

**Legal Protections and Applicable Laws : ** As a consumer, I am protected under several sections of the Fair Credit Reporting Act ( FCRA ) and other relevant legislation, including but not limited to : 1. **Section 605B - Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) ** : This requires the removal of fraudulent information resulting from identity theft, including XXXX 
2. **Section 609 ( e ) - Information Available to Victims ( 15 U.S.C. 1681g ( e ) ) ** : Allows victims to obtain business records relating to fraudulent transactions to support the dispute.

3. **Section 611 - Dispute Resolution Procedure ( 15 U.S.C. 1681i ) ** : Mandates that credit reporting agencies investigate disputed information and correct or delete inaccuracies. 
4. **Section 604 - Permissible Purposes of Consumer Reports ( 15 U.S.C . 1681b ) ** : Ensures that only authorized entities may request consumer reports.

5. **Section 623 - Responsibilities of Furnishers of Information ( 15 U.S.C . 1681s-2 ) ** : Requires accuracy and integrity in the reporting of information to credit bureaus.

6. **The Trafficking Victims Protection Act ( TVPA ) ** : Provides additional protections for victims of XXXX XXXX  to clear fraudulent financial records. 

**Disputed Accounts : ** I request that you verify or remove the following accounts and inquiries from my credit report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ( This account is not mine ; please remove it from my report. ) XXXX. XXXX XXXX XXXX  - Account ending in XXXX ( This account is not mine ; please remove it from my report. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This account is not mine ; please remove it from my report. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This account is not mine ; please remove it from my report. ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This item was fraudulently misrepresented ; I do not recognize it. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This item was fraudulently misrepresented ; please remove it immediately. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This account is not mine ; please remove it from my report. ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This account is not mine ; please remove it from my report. ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( This inquiry was not authorized ; please remove it. ) XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( This inquiry was not authorized ; please remove it. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This item was fraudulently misrepresented ; please remove it. ) **Incorrect Personal Information : ** Please correct the following inaccuracies in my personal data : - **Incorrect Address** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inaccuracies have caused significant distress and I request that they be corrected immediately. I appreciate your prompt attention to this matter and look forward to your response.