Consumer complaint received 2024-02-13
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. (OH)

Trans Union LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear Sir or Madam, I am writing to block and delete the fraudulent late charges on my credit report that have been previously reported multiple times and have not been addressed, in light of identity theft that I am a victim of. I request immediate action in accordance with the Fair Credit Reporting Act ( FCRA ), including the blocking and deletion of the fraudulent information from my credit report. These fraudulent items have been removed from my credit file and XXXX. Why are you all continuing to report the fraudulent account after being notified please block and delete them immediately. 

These are the accounts that I have repeatedly asked to be blocked and deleted due to identity theft this company has notoriously negligently carelessly continued to report these fraudulent accounts, even after they have been blocked and deleted from the other credit reporting agencies. 







Fraudulent Accounts Below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX, XXXX Factual Data XXXX XXXX, XXXX Bank of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; 1. the identification of such information by the consumer ; and 2. a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached all the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately I demand an updated copy of my consumer file reflecting these changes I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports 3. disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681jd ) of this title ; and 4. provide to the consumer all disclosures required to be made under section 1681g of this title, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).

As provided for under FCRA section 605B, I am a victim of identity theft and have reported this to law enforcement. As such, I request that you block and delete the inaccurate and fraudulent late charges from my credit report to prevent further financial harm and to restore the accuracy and integrity of my credit history.

I have diligently put this credit reporting agency on notice about these fraudulent late charges multiple times, provided evidence of identity theft, and sought resolution in accordance with FCRA guidelines. Despite these efforts, the fraudulent information remains on my credit report. This failure to address the fraudulent accounts and take action in response to identity theft is a violation of my rights under the FCRA.

Under FCRA section 605B, upon receiving an identity theft report by the consumer, the credit bureau must block the reporting of any information that the consumer identifies as resulting from identity theft. I have enclosed a copy of the identity theft report filed with law enforcement as well as any supporting documentation to substantiate my claim.

Therefore, I formally request that you immediately block and delete the fraudulent late charges from my credit report. I also request that you provide me with written confirmation of the actions taken, including the blocking and deletion of the fraudulent information, and a revised copy of my credit report reflecting these changes. 

I expect your prompt attention to this matter and a swift resolution in accordance with the FCRA.