Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is about the fraudulent account XXXX XXXX XXXXXXXX acount number XXXX I am submitting this complaint regarding a fraudulent account being reported by XXXX to TransUnion, which contains false personal information such as an incorrect address, email, and phone number. Despite this account being successfully removed from XXXX and XXXX, XXXX continues to report it to TransUnion. I demand the immediate removal of this account under federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and Regulation V, enforced by the Consumer Financial Protection Bureau ( CFPB ). I never opened this account. I never signed any documents. The documents you have on file are fraudulent. No good service or money was obtained. I never took out a car loan l. I dont even drive.I never stayed at the address on contract. My signature was forged. The payment that was made was not me.This is not a misrepresentation of material. This request is not made in error. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Report Accurate Information : Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information, such as XXXX, are legally obligated to provide accurate information to credit reporting agencies. The personal data associated with this accountsuch as my address, email, and phone numberare incorrect and should not be linked to me. This violates the FCRAs accuracy requirement. 
XXXX. Failure to Investigate and Correct Information : As per 15 U.S. Code 1681s-2 ( b ) ( 1 ) ( A ), upon receiving a dispute, furnishers are required to conduct a reasonable investigation. I have disputed this account multiple times with TransUnion, and XXXX has failed to properly investigate or correct the inaccurate reporting. They have not provided verifiable proof of my association with the account other than documents that may have been fraudulently submitted to them.

3. Duty to Provide Notice of Disputed Information : According to 15 U.S. Code 1681s-2 ( a ) ( 3 ), a furnisher like XXXX is required to notify the credit reporting agency if an account is disputed. Despite my dispute, XXXX has continued to furnish this information to TransUnion, demonstrating a failure to fulfill this obligation. 

Violation of Privacy Rights : Invasion of Privacy : Bridgecrests continued reporting of false and inaccurate personal information, including my private details such as incorrect addresses and phone numbers, constitutes a violation of my privacy rights. By retaining and disseminating this information without my consent or legitimate cause, XXXX is infringing upon my privacy in violation of Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive practices that may harm consumers, including unauthorized sharing of personal data.

Inconsistent Reporting Across Credit Bureaus : This fraudulent account has been removed from both XXXX and XXXX. However, it remains on TransUnion, which suggests that Bridgecrests reporting practices are inconsistent and unreliable. This further violates the FCRAs provisions regarding the accuracy and completeness of information. 

Resolution Requested : I request the following actions : 1. Immediate removal of the fraudulent account from my TransUnion credit report.

2. A full investigation into Bridgecrests compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V, including their failure to accurately report and investigate disputed information. 
XXXX. Protection of my personal information, ensuring that XXXX ceases to invade my privacy by reporting false and inaccurate details. 

I expect a prompt resolution of this matter, as the continued reporting of this fraudulent account is causing harm to my credit report and financial standing.