Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX This is a complaint against TRANS UNIONXXXX . My problem started when I purchased a house located at XXXX  XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting in XX/XX/XXXX. I don't know at what point someone used my name to open accounts at different banking entities, they also opened accounts with XXXX XXXX without my consent. I contacted XXXX XXXX XXXX about this loan fraudulently and repeatedly called the XXXX XXXX fraud department/ but they did not give me any information about the account. They say they do not have any information because the account was closed and they gave me the phone number for the XXXX XXXX collections department. When I called that number I asked them if they had any type of document signed by me XXXX XXXX that confirmed my identity or if they could verify any information about my ID that I might have on my profile. I also asked what the name and address was on the ID. where the card was used or if they could confirm which bank the loan money was transferred to and the name of the bank account. They were unable to provide me with the information I requested and would not help me confirm the identity of the account user.

I WOULD LIKE THIS TO BE INVESTIGATED IMMEDIATELY. THE INACCURACIES ARE VERY HARMFUL TO MY CREDIT SCORE. *AMERICAN EXPRESS IS LISTED WITH OVER 90 DAYS OF LATE PAYMENTS. And they update late payments every month, knowing that these accounts are fraudulent. They have no documents to show that I applied for the loan from AMERICA EXPRESS in the amount of XXXX and XXXX other banks pursuant to the FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VIE SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I CAN FOLLOW UP.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR FURTHER INVESTIGATION.

I request that you remove these fraudulently opened accounts from XXXX, TransUnion, and XXXX. I am attaching a copy of the police report for identity theft. I am attaching my XXXX electric bill and my XXXX to date lease which confirms my address at the time of the incident and I still live at the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections department sends monthly unpaid reports to XXXX, Trans Union and XXXX. I can't pay for something I never bought. I never signed anything. It's a fraudulent account, I tried to file complaints with XXXX trans union XXXX XXXX They always reject my complaint these three corporations do a very bad job they don't verify the documentation with the banking entities they only transfer what the banks said if bank x says the customer didn't pay 5 years ago they don't verify they only publish it in your credit report that hurts the user terribly. I am asking for help. Please this has to stop. My credit is ruined by criminals using my identity. I have never applied for a loan or a credit card.

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