Consumer complaint received 2024-09-10
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. (IL)

I HAVE BEEN TRYING TO GET THIS MATTER FIXED AND IM BEING TOLD THAT THE ACCOUNTS ARE VERIFIED BUT HOW CAN YOU VERIFY FRAUD???? 

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Name_Americollect Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account XXXX  ________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute____________ Account AmountIDENTITY XXXX Account Name__XXXX XXXX__________________________ Date XXXX Account XXXX Reason for dispute______ Account XXXX XXXX Account NameXXXX XXXX Date XXXX Account XXXX Reason for dispute________ Account Amount_IDENTITY XXXX Account NameXXXX XXXX XXXX XXXX  Date XXXX Account Number_ XXXX Reason for dispute_____________ Account XXXX THEFT_____________________ Account NameXXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute_____ Account Amount______IDENTITY THEFT XXXX Account Name XXXX XXXX XXXX  Date XXXX Account XXXX Reason for dispute Account XXXX IDENTITY XXXX Account XXXX  XXXX  Date XXXX Account XXXX Reason for dispute__ Account XXXX THEFT_______________________ Account Name__XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute_Account XXXX THEFT___________________________ Account XXXX  XXXX  Date XXXX Account XXXX Reason for dispute__ Account XXXX THEFT