Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, I hope this letter finds you well. I am writing to urgently bring to your attention a distressing matter that has significantly impacted my financial well-being. I have recently discovered that I am a victim of identity theft, with fraudulent accounts and inquiries appearing on my credit reports maintained by XXXX, TransUnion, and XXXX. 

Account Details : XXXX : XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Utility TransUnion : XXXX Opened : XXXX XXXX, XXXX XXXX : XXXX Opened : XXXX XXXX, XXXX Inquiries : TransUnion : XXXX XXXX AND XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I solemnly affirm that I have never had any dealings or accounts with XXXX or any other entities mentioned above. The accounts and inquiries mentioned in the credit reports are completely fraudulent and have been erroneously linked to my identity. This situation has caused me immense distress and confusion, as I have diligently monitored my credit reports in the past. 

Unfortunately, the reason I failed to notice these fraudulent entries during the period from XXXX to XXXX was due to several factors. Firstly, during this time, I had been going through a challenging period in my personal life, including the loss of a loved one and a sudden relocation. The stress and emotional toll of these events may have understandably led me to overlook routine financial checks.

Furthermore, the sophisticated methods used by these identity thieves have made it extremely difficult to detect their activities until now. These criminals may have been using advanced techniques to conceal their fraudulent actions, further hindering my ability to notice the discrepancies in my credit reports. 

I am fully aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As per my rights, I request an immediate and thorough investigation into the fraudulent accounts and inquiries mentioned above. I kindly ask that you take the necessary steps to rectify this distressing situation promptly. 

As a victim of identity theft, I understand that I am entitled to the following remedies under the FCRA : 1.The immediate removal of all fraudulent accounts from my credit reports maintained by XXXX, TransUnion, and XXXX. 

2.The removal of unauthorized inquiries made by these fraudulent entities from my XXXX and TransUnion credit reports. 

3.The provision of copies of corrected credit reports after the removal of the fraudulent entries. 

4.Notification of the actions taken to rectify this matter and prevent any further harm to my creditworthiness. 

I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers like me from financial fraud and deception. Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX ( XXXX ) XXXX or XXXX if you require any further information or documentation to assist in the investigation. 

Thank you for your understanding and cooperation in resolving this distressing issue promptly. 

Sincerely, XXXX XXXX