Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Good Afternoon, My Full Name is XXXX XXXX XXXX XXXX, and I'm writing a formal Complaint to CFPB in regards to incorrect information on my Transunion Credit Report. I have sent out multiple letters to Transunion ( Which I have included in this complaint ) to inform them I am a victim of identity theft and that I demand to have the negative items on my credit report according to my FTC report to be removed immediately. 

I have mailed out letters to TransUnion this year on XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I am disputing fraudulent accounts found on my Transunion Credit File : XXXX XXXX {$72000.00} XXXX XXXX XXXX XXXX {$22000.00} These accounts are not mine and request them to be deleted. 

Neither one of these accounts are on my XXXX or XXXX Credit Files as shown in the attached files. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 

I have included an Attachment of the FTC Identity theft report I filed, My valid Drivers License with the correct information ( Full Name, Address, Date of Birth ) on my drivers license, A Copy of my Social Security Card, My Valid Proof of Residence ( Utility Bill with correct address and correct spelling of my name ). 

I've also included multiple letters that I've mailed by certified mail to Transunion to inform them of the inaccuracy and asking them to verify the information, and to delete this erroneous information according to the law. 

I've asked TransUnion Under the Federal Fair Credit Reporting Act, Credit Reporting Agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully requested Transunion investigate my claim by and actual human being. 
I also asked after Transunion investigation, if Transunion found my claim to be valid and accurate, I request that Transunion to immediately delete, update, or correct the items and supply a corrected credit profile to me and all creditors who have received a copy within the last 6 months, and the last 2 years for employment purposes. 
Additionally, please provide the name, addresses, and the telephone number of each credit grantor or other subscriber. 
I also asked Transunion if their investigation shows the information to be accurate, I respectfully requested that Transunion provide me with proof of the accuracy of the items in question, specifically any contract, note or other instrument bearing my signature. 
Additionally, within 15 days of the completion of their re- investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

I've asked Transunion to Provide the Following Items : -Pay off Disclosure -Interest Rate Disclosure -Balance History -Credit Insurance They have not done so in any capacity whatsoever.....