Consumer complaint received 2025-01-20 00:00:00
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.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last 4 digits of SSN : XXXX D.O.B. XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Information & Request for Investigation Under FCRA & Data Breach Exposure To Whom It May Concern, I am writing to formally dispute fraudulent information currently appearing on my credit report. As a victim of identity theft and the XXXX breach, my personal information has been compromised. This breach has resulted in fraudulent accounts and inquiries, including two critical findings : under the name XXXX XXXX, with my Social Security number ( SSN ) improperly associated with these entries. I am requesting an immediate investigation into these items, in accordance with the Fair Credit Reporting Act ( FCRA ).

Details of Data Breach : The XXXX breach exposed the following aspects of my personal information : Full name Social Security number Date of birth Address history Employment information Financial account numbers As a result of this breach, my personal data has been used to create fraudulent accounts and inquiries on my credit report. Enclosed are my supporting documents, including my FTC Identity Theft Report and the breach notification letter.

Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and/or inquiries were made without my knowledge or consent. Under FCRA 605B, I request that these items be blocked from my credit report.

Requested Actions : 1. Immediate Investigation : Please conduct a thorough review of the disputed items and provide a written response detailing the findings and actions taken.

2. Removal of Fraudulent Information : In accordance with FCRA 611 and 605B, please remove or block the disputed items from my credit report within the legally required timeframe.

3. Fraud Alert : Extend or renew the fraud alert on my file to ensure creditors are notified of this identity theft incident.

Additionally, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

I have reason to believe that my credit file has been subjected to improper investigations or reporting practices, which have led to inaccurate information being reported. I also believe TransUnions handling of my file may violate my privacy rights as guaranteed under the FCRA, which mandates the accuracy, completeness, and privacy of consumer data.

Please promptly investigate this matter and provide me with a corrected version of my credit report within the time frame required by law. If you can not verify the disputed items, I expect them to be removed from my report immediately.

Furthermore, I request confirmation that any inaccurate or unverifiable information will not continue to be reported.

Thank you for your prompt attention to this matter. I look forward to receiving your response.

Enclosed Documents : Copy of my government-issued ID FTC Identity Theft Report Notification letter of the XXXX breach Contact Information : Please confirm receipt of this letter and notify me in writing once the investigation is complete. 
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