Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I am a single mother, a victim of identity theft, and a survivor of a financial system rigged against people like me. Every day, I wake up fighting against an economy that is pushing me and my children into generational poverty. I work tirelessly to keep food on the table, to support my child in college, and to provide shelter, yet your failure to remove fraudulent accounts and inquiries from my credit report is crushing my ability to rebuild my life. 

I have not authorized the following fraudulent hard inquiries that are currently destroying my creditworthiness and blocking me from accessing financial relief : Please remove unauthorized/fraudulent inquiries and accounts Accounts- 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681c2 - 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 ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These fraudulent accounts and inquiries should have been flagged and removed immediately, yet they continue to appear, destroying my financial stability. Additionally, under 15 U.S.C. 1681b, I never authorized these companies to pull my credit, making these inquiries unauthorized and illegal. The fact that I, a single mother struggling to support my children in an economy that is actively pushing families like mine into poverty, am being denied financial opportunities because of your negligence is not just unethicalit is a violation of the Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691, which prohibits financial discrimination based on gender and economic status. Your refusal to correct these errors is actively contributing to systemic financial oppression, preventing me from obtaining the credit I need to put my child through college and keep a roof over my familys head. The inflated economy is already working against families like mine, and your failure to act is only making it worse. I demand that you remove these fraudulent inquiries and accounts immediately. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certied Funds to : XXXX XXXX XXXX XXXX XXXX XXXX.TX 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