Consumer complaint received 2023-07-25
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. (OH)

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a pressing matter that has had a significant negative impact on my financial well-being and credit standing. As an innocent victim of identity theft and fraud, I urge the Consumer Financial Protection Bureau to promptly intervene and assist me in resolving this distressing issue. 

It has come to my attention that there are three fraudulent accounts currently listed on my TransUnion credit report, which are severely affecting my credit score and overall financial reputation. These accounts, as detailed below, were fraudulently opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To my dismay, I only discovered these fraudulent accounts recently, as I was unable to monitor my credit report during the period from XX/XX/XXXX to XXXX. This unfortunate circumstance arose due to a combination of personal and professional challenges that consumed my attention, making it impossible for me to conduct regular credit checks during that time. 

In light of the circumstances and the evidence I have gathered, it is clear that I never had any association or dealings with the aforementioned creditors. Upon learning of these suspicious entries, I immediately contacted each creditor to dispute the validity of these accounts. To my relief, both XXXX and XXXX have acknowledged the fraudulent nature of these entries and promptly removed them from my credit history, as confirmed in writing by both agencies. 

The Fair Credit Reporting Act ( FCRA ) grants consumers the right to accurate and fair credit reporting. It is essential to protect innocent individuals like myself from the damaging consequences of identity theft and fraudulent activities. I am exercising my rights under FCRA to request an immediate and thorough investigation into the validity of these fraudulent accounts by TransUnion. 

As per FCRA 611 ( a ) ( 2 ) ( A ), you are required to conduct a reasonable investigation into these disputed accounts and rectify any inaccuracies promptly. I kindly request that the Consumer Financial Protection Bureau facilitate the immediate removal of these fraudulent accounts from my TransUnion credit report to restore the accuracy and integrity of my credit history. 

I understand the importance of maintaining a healthy credit profile and the impact it has on my financial endeavors. Hence, I appeal to your sense of justice and fairness to ensure that my rights as a victim of identity theft are upheld. I seek your assistance in swiftly resolving this matter, as the continuing presence of these fraudulent accounts on my TransUnion credit report is causing significant distress and limiting my access to financial opportunities. 

I appreciate your prompt attention to this matter and eagerly await a favorable resolution. Please do not hesitate to contact me if any further information is required. 

Thank you for your understanding and assistance in this regard. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief