Consumer complaint received 2024-06-17
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. (CA)

Two weeks ago a I filed a complaint with the CFPB regarding several charged off/closed accounts that were illegally reporting to my credit file per consumer law, all four accounts that I referenced were removed from all 3 of my credit profiles from all bureaus however one of the accounts that was removed has been placed back on my credit profiles illegally and fraudulently. I am including the same consumer laws that were broken that removed these accounts from my credit profiles last week. I need this account from XXXX XXXX Bank SS REMOVED and never replaced on my credit profiles across all bureaus! 

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by TransUnion, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with TransUnion, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. 

XXXX XXXX XXXX has violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) : 1. **15 USC 1692B ( 2 ) ** : This section prohibits a debt collector from disclosing to third parties that I owe a debt. By sending communications to an incorrect address, XXXX XXXX XXXX has potentially exposed my personal information to unauthorized parties. 

2. **15 USC 1692E ( 3 ) ** : This section prohibits a debt collector from falsely representing the character, amount, or legal status of any debt. XXXX XXXX XXXX has misrepresented the debt by attempting to collect on an invalid and fraudulent account. 

3. **15 USC 1692C ( 2 ) ** : This section requires a debt collector to cease communication if I notify them in writing that the debt is disputed. Despite my written dispute and providing evidence, XXXX XXXX XXXX has continued its collection efforts, disregarding my dispute. 


I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. Sincerely, XXXX XXXX