Consumer complaint received 2024-07-04
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. (KS)

TransUnion Fraud Division TransUnion LLC Fraud Victim Assistance Department Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX -- - Date : XX/XX/XXXX Spoke with : XXXX XXXX Case # XXXX -- - Attachments : XXXX. XXXX XXXX  Statement : XX/XX/XXXX A letter from XXXX XXXX  supporting my identity theft case. XXXX previously sided with the creditor despite my FTC complaint, which XXXX XXXX  has acknowledged, confirming I am not responsible for this account. 

XXXX. FTC Report Number:XXXX  -- - Statement : I, XXXX XXXX XXXX hereby file this complaint on my own will and behalf, without any third-party assistance. 

Incident : While attempting to dispute inaccuracies on my report, I was informed that TransUnion " only sides '' with creditors. To have a creditor removed, I was advised to file an FTC complaint. Despite submitting identity theft complaints and mailing identity copies, no changes have been made to several accounts. 

Tampering Incident : Mailing personal information to TransUnion led to tampering, causing more inaccuracies on my credit report. 

**Request : ** A thorough investigation and the removal of the following creditors and inquiries : XXXX. XXXX XXXX XXXX Good Standing** - **Reason : ** Fraud - Not my account - **Account # : ** XXXX - **Amount : ** {$5500.00} / {$8900.00} - **Date : ** XX/XX/XXXX - **Type : ** Personal Card XXXX. XXXX XXXX XXXX Good Standing** - **Reason : ** Fraud - Not my account - **Account # : ** XXXX - **Amount : ** {$5000.00} / {$7500.00} - **Date : ** XX/XX/XXXX - **Type : ** Business Card XXXX. XXXX XXXX XXXX  # XXXX ( previously deleted ) - Reason : Fraud - Not my account - Type : Repossession - Amount Owed : {$2100.00} - Original Loan : {$15000.00} - Date Opened : XX/XX/XXXX XXXX. Debt XXXX  XXXX XXXX - Amount : {$11000.00} - Original Creditor : XXXX XXXX. XXXX XXXX XXXX - Amount : {$6500.00} Inquiries : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - **Reason : ** Fraud - Did Not Authorize -- - Legal Basis : Under 15 U.S.C. 1681c-2, I request TransUnion to delete and block the aforementioned creditors and inquiries from my credit report. This action is crucial for the accuracy of my credit information and to protect my financial well-being. 

XXXX XXXX Letter ( XX/XX/XXXX ) : Attached to further support my identity theft case. Despite TransUnion 's investigation siding with the creditor, XXXX XXXX  acknowledged my FTC complaint and confirmed my non-responsibility for the account.

Rights : 1. 15 U.S Code 1681s-2 : - Prohibition : ** Reporting information with actual knowledge of errors. A person must not furnish inaccurate consumer information to any consumer reporting agency if they know or have reasonable cause to believe it is inaccurate.

2. 15 U.S.C. 1681c-2 : - Block of Information from Identity Theft : Implement measures under this law to block information resulting from identity theft.

Relevant Cases : 1. Smith v. TransUnion LLC : Plaintiff won for TransUnion reporting incorrectly on accounts, violating the FCRA.

2. United States v. TransUnion LLC : TransUnion was sued by the CFPB and FTC for inaccurate consumer credit information and deceiving consumers about credit scores. TransUnion agreed to pay {$60.00} million to affected consumers and a {$5.00} million civil penalty.

-- - Updated Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX