Consumer complaint received 2024-05-09
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My identiy was stolen and I am writing to dispute fraudulent charge ( s ) I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions.

my Rights are being violated I don't not agree with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-moved. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and I am looking to purchase a home soon. Please help me remove these inaccurate items, -re-investigate and verify all data for this account is reporting accurately accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts and inquiry are Fraud : XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX XXXX. Inquiry : XXXX XXXX of Inquiry : XXXX Contact : Not Available XXXX. Inquiry : XXXX XXXX of Inquiry : XXXX Contact : Not Available XXXX. Inquiry : XXXX XXXX of Inquiry : XXXX Contact : Not Available XXXX. Inquiry : XXXX of Inquiry : XXXX Contact : Not Available XXXX. Inquiry : XXXX of Inquiry : XXXX Contact : Not Available XXXX. Inquiry : XXXX XXXX of Inquiry : XXXX Contact : Not Available XXXX. Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available Credit Agents stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.