Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

New Complaint ( THIS IS NOT A DUPLICATE FILING ) Date : XX/XX/XXXX To : TransUnion XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Consumer Rights Violations Formal Complaint of Identity Theft and Inaccurate Reporting From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX Email : XXXX Social Security : XXXX Date of Birth : XX/XX/XXXX File Number : XXXX -- - To Whom It XXXX Concern : I am writing to formally address a series of violations concerning my consumer rights and fraudulent accounts appearing on my credit report. 

On XX/XX/XXXX, I spoke with XXXX XXXX, a TransUnion representative in XXXX XXXX, regarding the fraudulent XXXX XXXX account on my report. I informed her that I had already submitted an identity theft report and a CFPB complaint. She advised that someone from the " XXXX XXXX XXXX '' department would need to remove the inaccurate information. 

Later, I spoke with XXXX XXXX XXXX in XXXX, who acknowledged receiving my FTC complaint. Despite my status as an identity theft victim and the fraudulent nature of the XXXX XXXX account, he stated that TransUnion would not block paying creditors and advised me to file complaints against both TransUnion and XXXX XXXX with the Better Business Bureau. 

Despite multiple attempts to resolve this matter, XXXX XXXX continues to list incorrect personal information under my name, including an inaccurate address, phone number, and email. XXXX XXXX has directed me to work with the credit bureaus to remove these items, yet no corrective action has been taken. 

XXXX of XXXX XXXX : XXXX XXXX has confirmed that they do not possess accurate contact information for me, demonstrating that the fraudulent account was created without my consent. This creditor has not obtained a copy of my ID, signature or anything else as proof of verification, that this account belongs to me, because " it doesn't '' and needs to be deleted immediately. 

Attachments : XXXX. XXXX Bank XXXX ( XX/XX/XXXX ) : This letter supports my identity theft case. Although XXXX initially sided with the creditor, XXXX Bank has acknowledged that I am not responsible for the fraudulent account. 
XXXX. FTC Report Number : XXXX -- - Statement of Incident : I, XXXX XXXX, submit this complaint independently, without third-party assistance. My attempts to dispute inaccuracies in my TransUnion credit report have been dismissed, as I was informed that TransUnion consistently favors creditors. Despite my FTC complaints and submission of identity theft documents, no resolution has been reached. Furthermore, personal information mailed to TransUnion appears to have been tampered with, resulting in further inaccuracies. 

Request for XXXX : I request an immediate and thorough investigation and the removal of the following fraudulent creditors and inquiries from my credit report : XXXX. XXXX XXXX ( Closed ) - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XX/XX/XXXX - Type : Personal Card XXXX. XXXX XXXX ( Closed ) - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XX/XX/XXXX - Type : Business Card -- - Legal Basis for Complaint : Under XXXX U.S.C. XXXX, I am requesting the immediate deletion and blocking of the aforementioned accounts and inquiries from my credit report. These inaccuracies compromise my financial stability and violate my consumer rights. 

Attached is a letter from XXXX Bank ( XX/XX/XXXX ) supporting my identity theft case. XXXX Bank has confirmed my non-responsibility for the fraudulent account, despite TransUnion siding with the creditor. 

-- - XXXX Rights Violations : XXXX. XXXX XXXX XXXX XXXX : - Creditors are prohibited from reporting inaccurate information to any credit bureau XXXX XXXX have actual knowledge or reasonable cause to believe the information is inaccurate. 

XXXX. XXXX XXXX. XXXX : - TransUnion is XXXX by law to block any information on my credit report that is the result of identity theft. 

-- - Precedent Cases : XXXX. XXXX XXXX TransUnion LLC : TransUnion was found liable for reporting inaccurate information, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX. United States v. TransUnion LLC : TransUnion was sued by the CFPB and FTC for misreporting credit data and misleading consumers. The company was fined {$60.00} XXXX and ordered to pay an additional {$5.00} XXXX civil penalty. 

-- - Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX Email : XXXX This letter serves as a formal demand for immediate corrective action. I expect a response confirming the removal of these fraudulent accounts within 30 days. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX