Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX TransUnion LLC Consumer Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Final Demand for Immediate Removal of Fraudulent Accounts and Rectification of Defamatory Reporting To Whom It May Concern, I am beyond frustrated with the blatant disregard and negligence your company has shown in handling my disputes. Despite submitting over XXXX dispute requests over the last XXXX years, TransUnion continues to report false charge-offs and collection accounts that are the direct result of identity theft. This false information is severely damaging my credit and reputation. 

Your letter details the supposed investigations conducted into fraudulent accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX # XXXX. Despite my repeated submissions of valid documentation, including an FTC Identity Theft Report, police reports, and detailed proof of identity theft, you have failed to take appropriate action. 

Adding insult to injury, you claim that the FTC Identity Theft Report did not meet TransUnions criteria for deleting these accounts. This is absolutely unacceptable and a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that TransUnion conduct a thorough investigation and correct fraudulent entries when identity theft is proven. 

To provide further irrefutable proof of the identity theft, I have attached a Notice of Data Breach from my former employer, XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. This breach compromised my personal information, including my Social Security number, and provides concrete evidence that the fraudulent accounts on my credit report are directly tied to this identity theft. Despite receiving this crucial evidence, TransUnion continues to recklessly allow false and defamatory information to remain on my report. 

TransUnion has not only failed to correct these inaccuracies, but you are also actively defaming me to third parties, including landlords, by suggesting I am engaging in fraudulent or suspicious behavior. This has severely impacted my ability to secure housing and caused substantial harm to my reputation. These claims are completely baseless and constitute defamation. Your actions are not only negligent but malicious and have caused unnecessary financial and emotional stress. 

Therefore, I am demanding the following immediate actions from TransUnion : 1. Immediate removal of the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Immediate cessation of any and all defamatory reporting to third parties, including but not limited to landlords and creditors.

3. A thorough review and removal of any other inaccurate entries tied to this identity theft and the data breach at XXXX XXXX XXXX XXXX 
4. Written confirmation within 15 days that all false entries have been removed and that no further defamatory information will be shared with third parties. 

Failure to comply with these demands will result over {$1.00} XXXX legal action. I will pursue all available remedies under the Fair Credit Reporting Act ( FCRA ), including but not limited to compensation for damages caused to my credit, reputation, and ability to secure housing. Furthermore, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 

Let me remind you that under federal law, you are obligated to correct these errors. You have all the proof you need. Failure to act swiftly and responsibly will only increase the severity of the legal consequences you will face. 

I expect your immediate cooperation and a swift resolution to this matter. Do not test my patience any further. 

Sincerely, 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