Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint is filed against XXXX XXXX, a subsidiary of TransUnion, regarding its failure to adequately protect my personally identifiable information ( PII ) and its subsequent refusal to act on a clear case of identity theft, in violation of my rights under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), also known as the Identity Theft Prevention and Credit History Restoration Act. 

Details of the Incident : Data Breach Notification : On or about [ Date of Data Breach Notification ], I received a Notice of Data Breach from XXXX XXXX, informing me that my personal information had been exfiltrated from the servers of XXXX XXXX XXXX XXXX XXXX, a company with which XXXX  provides data security services. This breach included the theft of my Social Security number, date of birth, and other sensitive information. 

Forged Signatures : After the breach, I became aware that forged signatures had been used in fraudulent transactions tied to my compromised data. I requested a formal rebuttal from XXXX XXXX regarding the authenticity of these forged signatures. Despite my efforts to resolve the matter, XXXX XXXX refused to acknowledge or address the issue. 

Failure to Act by XXXX : In accordance with 15 U.S.C. 1681c-2, I provided XXXX XXXX with an identity theft report and requested that fraudulent information related to the data breach be blocked and removed from my credit report. Despite my submission of the required documentation, XXXX has failed to take appropriate action to remove the fraudulent data. 

Ongoing Harm : As a direct result of XXXX failure to act within the legally mandated timeframes, I have suffered significant damage to my credit standing, XXXX XXXX, and financial harm. The fraudulent transactions remain on my credit report, further exacerbating my financial difficulties. 

Legal Basis for Complaint : Violation of 15 U.S.C. 1681c-2 of the FCRA : XXXX XXXX is in violation of the Identity Theft Prevention and Credit History Restoration Act by failing to block and remove fraudulent information from my credit report after receiving proof of identity theft. 

Failure to Investigate Forged Signatures : XXXX XXXX refusal to provide a rebuttal regarding forged signatures constitutes a breach of my rights under federal and state law. New York Penal Law 170.10 defines forgery as the false making or altering of a written instrument with the intent to defraud. The failure to address this issue has caused ongoing harm. 

Requested Relief : I respectfully request that the CFPB take the following actions : Compel XXXX XXXX to fully comply with 15 U.S.C. 1681c-2 by immediately blocking and removing all fraudulent information from my credit report related to the data breach and identity theft. 
Require XXXX and XXXX XXXX to investigate and address the issue of forged signatures associated with the breach. 
Provide compensatory relief for the financial, emotional, and reputational harm I have endured as a result of XXXX and XXXX XXXX negligence. 
Ensure future compliance with FCRA requirements to prevent other consumers from facing similar harm due to negligence and mishandling of identity theft cases. 
I appreciate your time and attention to this matter and hope for a prompt resolution to restore my financial security and credit standing.

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 explanation