Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Dispute of Accounts Due to Status as a Victim of XXXX XXXX  I am writing to formally dispute the following charge-offs and collection accounts that have been reported under my name. As a victim of XXXX XXXX I am requesting the removal of these accounts pursuant to the Debt Bondage and XXXX XXXX Victims Protection Act ( 18 U.S.C. 1593A ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which provides protections for victims of human trafficking against adverse credit reporting for debts incurred due to their victimization. 

The disputed accounts are as follows : Charge-Offs : XXXX XXXX ( {$3400.00} ) XXXX XXXX ( {$31000.00} ) XXXX ( {$4200.00} ) XXXX XXXX ( {$40000.00} ) XXXX XXXX ( {$25000.00} ) XXXXXXXX XXXX XXXX {$23000.00} ) XXXX XXXX ( {$1500.00} ) XXXX XXXX ( {$170.00} ) XXXX ( {$1300.00} ) XXXX ( {$1400.00} ) XXXX XXXX ( {$36000.00} ) XXXX XXXX ( {$5900.00} ) XXXX ( {$2200.00} ) XXXX XXXX ( {$28000.00} ) XXXX : XXXX ( XXXX XXXX XXXX XXXX ) ( {$16000.00} ) XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX  ) ( {$290.00} ) XXXX XXXX ( XXXX XXXX ) ( {$400.00} ) XXXX XXXX  ( XXXX XXXX ) ( {$180.00} ) XXXX ( XXXX XXXX XXXX XXXX ) ( {$16000.00} ) XXXX XXXX  ( XXXX XXXX XXXX XXXX ) ( {$260.00} ) XXXX XXXX ( XXXX XXXX  ) ( {$26000.00} ) XXXX XXXX ( XXXX XXXXXXXX XXXX ) ( {$1500.00} ) XXXX XXXX ( XXXX XXXX  ) ( {$1000.00} ) XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX ) ( {$1100.00} ) XXXX  XXXX ( XXXX XXXX ) ( {$8400.00} ) XXXX XXXX ( XXXX XXXX ) ( {$1100.00} ) Legal Basis for Removal According to FCRA 1681c-2, credit bureaus and furnishers are required to block and remove adverse credit information related to accounts incurred as a result of human trafficking. Additionally, under the Trafficking Victims Protection Act ( TVPA ), victims of human trafficking are not liable for debts or obligations that arise from their victimization.

I am attaching the following documentation to support my dispute and request for removal : A personal statement describing the circumstances of my victimization and the fraudulent nature of the debts.

A copy of my Drivers License for identity verification.

A copy of my Social Security Card for identity verification.

A bank statement for address verification.

A list of my addresses from the past two years, are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Action Pursuant to 15 U.S.C. 1681c-2 ( b ), I formally request that you : Block and remove these accounts from any records associated with my name.

Cease all collection efforts related to these debts.

Provide written confirmation that these accounts have been removed from your records.

Please process this request within four business days, as required by the Consumer Financial Protection Bureaus guidance on trafficking victim protections. If you require additional documentation, kindly inform me in writing immediately.

Failure to comply with these federal mandates may result in legal action. I appreciate your prompt attention to this matter and expect a written response confirming the removal of these accounts from any records associated with my name. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. Certified Copies have been mailed.

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