Consumer complaint received 2024-07-02
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. (GA)

TransUnion, I am reaching out to notify you of a critical and concerning matter involving the compromise of my social security number, leading to my becoming a victim of a data breach and identity theft. To swiftly address this issue, I have contacted the Federal Trade Commission and submitted an FTC Report, which is attached to this letter under FTC Report Number : XXXX Under 15 USC 1681c-2 ( c ) ( a ), it is crucial for you, as a credit reporting agency, to take immediate action to block and remove all information related to this identity theft from my credit report. This statute requires that credit reporting agencies address such requests within four business days of receiving a complaint that includes the following information : I want to emphasize the seriousness of this issue and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as permitted by law. Please be advised that I will seek damages, including but not limited to statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C. 1692k. These fraudulent accounts include acredit card account opened at XXXX XXXX  XXXX with the account number XXXX opened on XX/XX/XXXX. A personal loan opened on XX/XX/XXXX with XXXX XXXX under account number XXXX. A personal loan under XXXX XXXX opened XX/XX/XXXX under account number XXXX. 

These fraudulent accounts have led to several unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I demand the removal of these fraudulent items from all my consumer credit reports and the cessation of all related collection activities, in accordance with my rights under the FCRA and FDCPA laws. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation under 15 U.S. Code 1681i ( 7 ) - Method of verification Violations under 15 U.S. Code 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am treating this matter with utmost seriousness and demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided all necessary information to facilitate this process. Please acknowledge receipt of this letter and resolution of this issue. Your prompt attention to this matter is greatly appreciated. Resolution I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within four business days of receiving the complaint. Please send all written confirmation regarding this CFPB complaint to my email address : XXXX.