Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I submitted a letter to TransUnion through the CFPB ( Case Number : XXXX ) stating that TransUnion is violating my rights by reporting inaccurate information. Specifically, the XXXX  XXXX XXXX account and several other accounts do not belong to me. Here are the details of the disputed accounts : XXXX  XXXX XXXX Account : This individual account was opened before I turned XXXX, making me ineligible to obtain a credit card on my own. XXXX  XXXX XXXX confirmed that this account does not belong to me. Despite this, it is still being reported on my credit report. The account was opened with a XXXX date, which does not match my real year of birth. I enclosed a letter explaining my case, as well as proof of my real date of birth and ID. 
I request that TransUnion compare my date of birth on my credit report with the account opening date to verify that this account is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ** : I informed TransUnion that this account is fraudulent and requested proof of account ownership. TransUnion failed to provide the requested proof of ownership, indicating that the account is fraudulent and should be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ** : Similarly, I disputed this account as fraudulent and requested proof of account ownership, which TransUnion failed to provide. 
TransUnion failed to provide proof of ownership for these accounts and verified them as accurate, which violates several provisions of the Fair Credit Reporting Act ( FCRA ). Here are the specific violations : Relevant Provisions of the FCRA 15 U.S.C. 1681e ( b ) - Accuracy of Report : Reasonable Procedures to Assure Maximum Possible Accuracy : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Violation : TransUnion failed to assure the maximum possible accuracy by verifying inaccurate and fraudulent accounts. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Reinvestigations of Disputed Information : Duty to Reinvestigate : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. 
Violation : TransUnion failed to conduct a reasonable reinvestigation into the fraudulent accounts. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - Requirement to Delete or Modify Information : Duty to Delete or Modify : If the reinvestigation determines that the information is inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Violation : TransUnion did not delete or modify the inaccurate and unverifiable information as required.