Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and the last four of my social security numer is XXXX. I recently was denied for an apartment. I received my Tenant Screening Report and was appalled that Transunion Tenant Screening is reporting fraudulent information that do not belong to me. Did you confirm my full identifiable infortmation as in my full social security number, my full date of birth and my personal identification? You must not have because you would not have posted this information in my consumer file. You are reporting XXXX evictions under XXXXXXXX XXXX XXXX XXXX XXXX SEARCH and they are the following : Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXX, Case # : XXXX Plaintiff : XXXX XXXX and Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED IN THOSE PLACES. I have attached with this complaint a copy of my FTC Identity Theft Report. The Federal Credit Report Act Under 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have attached with this complaint a copy of FTC Identity Theft Report. Also 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER FILE WITHIN 4 DAYS OF RECEIVING MY IDENTITY THEFT REPORT PER FEDERAL LAW. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the accuracy, privacy, and fairness of credit information. Violations of the FCRA can lead to civil penalties, including monetary damages, for those found to be in non-compliance. if a consumer can prove that a credit bureau 's violation of the FCRA was " willful '' ( reckless or knowing ), they may be eligible to recover damages. These damages can include Actual damages, Statutory damages : Between {$100.00} and {$1000.00} for each violation, Punitive damages : Based on the harm caused by the violation and what would be needed to deter similar violations in the future. I am a litigious consumer and one of the FCRA violations I can fie a lawsuit is your Failure to Delete inaccurate information. I have attached a copy of my passport for identification purposes as well.

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