Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of ( private ) and credit card account opened XXXXXXXX XXXX on XX/XX/XXXX account number ( private ) appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I am demanding the complete summary of the investigation showing the verification and updated information validating that these fraudulent accounts belonging to me. This letter is a formal request for the description of the procedure used to verify the accuracy and completeness of the attached previously disputed items. The attached items have been disputed with the creditor. Please include the business name, address, and the telephone number of any furnisher of information contacted in this reinvestigation in compliance with the Fair Credit Reporting Act section 611 ( a ) ( 7 ). I must have the information requested within 30 days of your receipt of this request. It is at this time I will point out XXXX XXXX Transunion, XXXX XXXX XXXX and XXXX XXXX XXXX, et al., the courts rules each and every time that the CRA couldnt merely parrot information from creditors and the collection agencies ... that they have to conduct an independent and reasonable investigation to ensure the validity of the debt and the honesty/integrity of the creditor in question. Sending out a generic form does not contain my reason for the dispute is not reasonable. It is my hope that you will initiate an investigation regarding my disputes without any legal action. Each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

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