Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Subject : Urgent Dispute of Fraudulent Bankruptcy & Unauthorized Accounts on My TransUnion Credit Report Dear TransUnion, I am writing to formally dispute the fraudulent bankruptcy and unauthorized accounts currently appearing on my TransUnion credit report. These accounts do not belong to me, and their presence is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fraudulent Bankruptcy Reporting I recently visited the U.S. Bankruptcy Court and spoke with a clerk named XXXX, who confirmed that the bankruptcy appearing on my TransUnion credit report is not mine. She explained that due to my common name, TransUnion mistakenly associated another individuals bankruptcy with my credit file. This constitutes a credit file mismerge, which violates FCRA 1681e ( b ), requiring consumer reporting agencies to maintain maximum possible accuracy in credit reporting. 

Fraudulent XXXX XXXX XXXX Account Additionally, a fraudulent XXXX XXXX XXXX account is appearing on my TransUnion credit report. I have already contacted XXXX XXXX XXXX, and they have confirmed that this account was opened fraudulently. They provided me with their affidavit, which I am including with this dispute, along with my identity theft police report and my FTC Identity Theft Affidavit. 

Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is also fraudulently appearing on my TransUnion credit report. My personal information was stolen and used without my knowledge or consent to obtain an apartment in my name. I have filed an identity theft police report, which I am including with this dispute. 

Fraudulent XXXX XXXX XXXX XXXX XXXX  XXXX Account Additionally, a fraudulent XXXX XXXX XXXX XXXX XXXX  XXXX account is reporting on my TransUnion credit report. I have never applied for or used an XXXX XXXX in my life. This account was fraudulently opened using my personal information without my consent. 
XXXX XXXX XXXX XXXX XXXX My personal information was compromised in the XXXX XXXX XXXX as well as the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX As a result, my identity has been used fraudulently, and I continue to be a victim of identity theft. These fraudulent accounts are a direct result of my stolen personal information, and they must be removed immediately. 

FCRA Consumer Rights & Demands Under FCRA 1681c-2, I have the right to request the immediate and permanent deletion of fraudulent accounts due to identity theft. Furthermore, FCRA 1681i requires TransUnion to conduct a proper investigation and remove any unverifiable, inaccurate, or fraudulent information. Failure to remove this incorrect information violates FCRA 1681e ( b ), which mandates that credit reports maintain maximum possible accuracy. 

Requested Actions I am demanding the following immediate actions : Permanent deletion of the fraudulent bankruptcy from my TransUnion credit report. 
Permanent deletion of the fraudulent XXXX XXXX XXXX account. 
Permanent deletion of the fraudulent XXXX XXXX & XXXX XXXX collection account. 
Permanent deletion of the fraudulent XXXX XXXX XXXX XXXX XXXX  XXXX account. 
Written confirmation of the deletions upon completion of your investigation. 

Enclosed with this letter are the following supporting documents : Identity Theft Police Report FTC Identity Theft Affidavit XXXX XXXX XXXX Affidavit Government-issued ID As required by law, I expect a written response within 30 days confirming that these fraudulent accounts have been removed. If TransUnion fails to comply, I will be forced to take further legal action to protect my rights under the FCRA. 
Thank you for your prompt attention to this matter. 

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