Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom this may concern, I hope all is well and everything is working out in your favor. To bring you up to speed with my particular situation, to begin with, I looked at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate and I DID NOT AUTHORIZE and or I DID NOT give any permission for any Creditors to run/pull my Credit Profile . According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXXXXXX -- XXXX XXXX. XXXX, XXXX ], [ XXXX XXXX  -- XXXX XXXX XXXX, XXXX ], [ DEPT OF ED/XXXX  -- XXXX XXXX XXXX, XXXX ], [ DEPT OF ED/XXXX  -- XXXX XXXX XXXX, XXXX ] ; are not complete, they are fraudulent items due to Identity Theft and are inaccurate. In addition to, according to 15 USC 1681s-2 ; A consumers Credit Report shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I sent my FTC Report, CFPB Compliant, Cover Letter, Identification Documents, and the required and requested documentation that XXXX, XXXX, XXXX, & Transunion are asking for them to make sure everything is complete and accurate and here is my tracking number & confirmation number : XXXX. They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. Secondly, according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. In addition to, according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, also according to FCRA 605B ( 15 U.S.C - 1681 1c-2 ) ; when a consumer is a victim of Identity Theft and has mailed off and uploaded the requested and required documents that the Credit Agencies are asking for the Fraudulent Items WILL BE REMOVED and or DELETED off of the Consumers Credit Profile in ( no more than ) 3-4 business days. An the requested fraudulent items are STILL on my Credit Profile and I need them DELETED and REMOVED IMMEDIATELY!