Consumer complaint received 2023-08-03
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)

XXXX XXXX [ XXXX XXXX XXXX # XXXX ] XXXX XXXX CA XXXX XXXX TransUnion Consumer Relations Re : Pre-Arbitration Demand to Correct Inaccurate Information and Identity Theft on Credit Report Dear TransUnion Consumer Relations, I am writing this letter to formally demand correction and resolution of several inaccuracies present on my credit report, as well as to address the issue of identity theft. As provided under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I request your immediate attention to these matters. Enclosed are two exhibits supporting my claims, along with a copy of the Federal Trade Commission ( FTC ) Identity Theft Report. 
XXXX. XXXX Accounts : Upon reviewing my credit report, I have identified XXXX accounts that contain inaccurate information. These accounts are as follows : Account XXXX : Creditor : XXXX XXXX Account Number : XXXX Inaccuracy : FRAUD ACCOUNT Account XXXX : Creditor : XXXX Account Number : XXXX Inaccuracy : FRAUD ACCOUNT Account XXXX : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Inaccuracy : FRAUD ACCOUNT XXXX. Inaccurate Inquiries : Additionally, my credit report shows several inaccurate inquiries that I did not initiate. These inquiries have the potential to negatively impact my creditworthiness and financial standing. The incorrect inquiries are as follows : Inquiry XXXX : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Identity Theft : According to the enclosed FTC Identity Theft Report, I have reported the occurrence of identity theft and the fraudulent accounts associated with it. The exhibits attached to this letter clearly demonstrate that these accounts are not mine, and I request their immediate removal from my credit report. 
Please be advised that the open dates on the accounts mentioned above are all different, further suggesting inaccuracies in the reported information. 
I hereby request that you promptly conduct a thorough investigation into these matters and correct the inaccuracies on my credit report in accordance with the FCRA. Your failure to act promptly XXXX result in legal action, including arbitration, to protect my rights under the FCRA and other applicable laws. 
Kindly send me a written response within 30 days from the receipt of this letter, detailing the actions taken to correct the inaccuracies and remove the fraudulent accounts. Furthermore, I request that you provide a free updated credit report after the corrections have been made. 
Please direct all communications related to this matter to the address and email provided above. 
Thank you for your attention to this serious matter. I expect your prompt response and resolution. 
Sincerely, XXXX XXXX Enclosures : 1. Exhibit 1 2. Exhibit 2 3. FTC Identity Theft Report