Consumer complaint received 2024-05-31
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. (NC)

I am writing to file a formal complaint and dispute concerning several fraudulent accounts and credit inquiries that have been reported on my credit report due to identity theft. Despite my efforts to dispute these inaccuracies with the credit bureaus, the fraudulent accounts and inquiries remain, causing me significant hardship. The credit bureaus have failed to provide proper documentation of their investigation or remove the fraudulent information. 

Background I've been a victim of identity theft since XXXX. I file several police reports over the year with no real resolution from the credit bureaus. On XX/XX/XXXX, I discovered yet again that multiple accounts had been fraudulently opened in my name and several unauthorized inquiries had been made. I immediately took the following steps to address this issue : 1. Filed a police report : On XX/XX/XXXX, I filed a police report with the XXXX XXXX police department, which documents the identity theft. 
2. Identity theft report XX/XX/XXXX 3. Reported the fraud to the credit bureaus : I contacted XXXX, XXXX, and TransUnion to dispute the fraudulent accounts and inquiries and provided them with a copy of the police report, a completed Identity Theft Affidavit, and other supporting documentation. 
4. Placed a fraud alert on my credit reports : I requested the major credit reporting agencies to place a fraud alert on my credit file.

Despite providing substantial evidence that I was a victim of identity theft, the credit bureaus have failed to remove the fraudulent accounts and inquiries from my credit report. The companies involved and the specific fraudulent accounts and inquiries are listed below : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of these inquiries are listed multiple times, none of which I authorized. 


Laws Violated The credit bureaus failure to remove the fraudulent information violates several consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681c-2, victims of identity theft have the right to have fraudulent information resulting from identity theft blocked from their credit reports. The credit bureaus ' refusal to remove the fraudulent accounts and inquiries constitutes a violation of this provision.

2. Fair Debt Collection Practices Act ( FDCPA ) : If any of these entities are acting as debt collectors in this matter, their actions may also violate the FDCPA, which prohibits debt collectors from engaging in unfair, deceptive, or abusive practices, including attempting to collect a debt that is not owed.

3. Truth in Lending Act ( TILA ) : If the fraudulent accounts involved credit transactions, the involved companies may also be in violation of TILA, which requires creditors to ensure the accuracy of their billing and account records.

Resolution Sought I respectfully request the Consumer Financial Protection Bureau to : 1. Investigate my complaint against the credit bureaus and the listed companies.

2. Require the credit bureaus to remove the fraudulent accounts and inquiries from my credit report.

3. Ensure that all involved parties comply with all relevant consumer protection laws in resolving this matter.

Enclosed are copies of the police report, Identity Theft Affidavit, and other supporting documentation that I have previously provided to the credit bureaus and involved companies.

Thank you for your prompt attention to this serious matter. I am hopeful that the CFPB 's intervention will lead to a swift and fair resolution. 
Sincerely, XXXX XXXX Attached : Police Report Identity Theft Affidavit