Consumer complaint received 2024-09-05
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. (GA)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX on TRANSUNION. I have been a victim of identity theft and for over 6 months have been working diligently to resolve this issue and protect my persons informations. I have had fraudulent accounts reported to my TRANSUNION consumer report in which derogatory remarks have negatively affected my credit worthiness for over 2 years. These fraudulent accounts show no payments ever made to the accounts which means the thief who stole my identity and used my personal information without my authorization never made a single payment towards the lines of credit they received in my name. This does accurately depict who I am as a person nor my credit worthiness if I owe a debt i would pay it nor would I put my myself in debt that I could not handle. I am financially responsible enough to not do such irresponsible acts. My credit worthiness has been damaged and these accounts are not equitable to I the living man XXXX XXXX nor my person XXXX XXXX XXXX XXXX. The fraudulent accounts are XXXX XXXX XXXX and XXXX XXXX XXXX. I the living man XXXX XXXX nor my person XXXX XXXX XXXX XXXX never received services from XXXX XXXX XXXX or XXXX XXXX XXXX. There are also fraudulent Inquires that are being reported to my consumer report for TRANSUNION as well. I have not applied for any new lines of credit since XXXX of XXXX. There multiple fraudulent inquires in which someone attempted to to use my identity to receive lines of credit without my authorization on XX/XX/XXXX and on XX/XX/XXXX. I noticed these inquires in XXXX and reported these inquires to TRANSUNION as fraudulent. A TRANSUNION agent then reached out to me on XX/XX/XXXX by phone to discuss the issues on my consumer report related to identity theft. While on the phone with said agent for TRANSUNION she said to me that one of the fraudulent accounts XXXX would be removed and then asked if there were any other fraudulent items in which I stated all the fraudulent inquires from XX/XX/XXXX and XX/XX/XXXX i which the TRANSUNION agent stated the fraudulent inquires would be removed as well. The fraudulent account XXXX was indeed removed 24 hrs later however the inquires remained and I have reached out to transunion on multiple occasions throughout the month of XXXX regarding these issues. It is now XXXX and these issues have still it been resolved. This would also mean I was lied to by the TRANSUNION agent about removing the inquires which she stated during the phone call that she did and it would take 24 to 72 hours for the changes to reflect on my consumer report. The fraudulent inquires are XXXX Inquiry : XXXX. XXXX, XXXX + REGIONALAC Inquiry : XX/XX/XXXX + XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + ( XXXX ) XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX + XXXX  Inquiry : XX/XX/XXXX + XXXX  Inquiry : XX/XX/XXXX + XXXX Inquiry : XXXX XXXX, XXXX I demand these inquires and fraudulent accounts be removed pursuant to the laws of the FCRA. Anything added to my consumer report without my authorization is identity theft and must be removed. According to 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft. I never gave TRANSUNION my written consent or authorization to report the fraudulent accounts or inquires to my consumer report. If information was forged to appear that I did give authorization. Then that is fraud as well. 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This clearly states that once I have notified the consumer reporting agencies which are XXXX, TRANSUNION, and XXXX that this account is Identity Theft that the account MUST be removed from my consumer report within 4 DAYS of the receipt of this notice. I have already given TRANSUNION my FTC report, and proof of identity. I have given TRANSUNION all of the above information they require in order to resolve this matter TRANSUNION has this information in my file. I demand the fraudulent information I stated I as fraud related in this complaint be removed. Thankyou for innerstanding on this matter.

I am aware that the FCRA is in place to protect people such as myself when situations like this occur if TRANSUNION were to choose not delete the information that I have stated in this complaint is related to identity theft I will have no other choice but to file a federal lawsuit against TRANSUNION for violations of the FCRA and a state lawsuit for civil non compliance. As well as for the pain and suffering I have experienced as a result of TRANSUNIONS negligence and refusal to follow the law after multiple notices and complaints.