Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collections on my account that do not belong to me and addresses that do not belong to me. Im a victim of identity theft Ive sent in copies of ftc report police report and proof of new address and no updates or responses have been sent. I was apart of the data breach. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. This is against the law. Ive contacted each credit bureau numerous times and was told that I will have results within 60 days and that was on XX/XX/XXXX, XX/XX/XXXX and today is XX/XX/XXXX. The first contact was XX/XX/XXXX and I am outraged by the false follow ups delays and inaccurate info. The collections listed on my account are inaccurate and false reporting I have attached proof of my only listed address that has been associated with me. I have no had a lease in my name and medical bill. Please advise Notice of Complaint****Pending Lawsuit****** ( Pending Date XX/XX/XXXX ) Re : Intent To File Lawsuit for FCRA Violation This is a warning. 
****This letter indicates a possible or impending danger, problem, or other unpleasant data********. 
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail requesting that you Transunion XXXX and XXXX remove inaccurate information from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. They have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, you may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing for nearly three years I await your response

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