Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I have credit restoration services through TransUnion. I received an alert from a company called XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, who just reported a New Account to my TransUnion credit file for {$8400.00}. The alert does not state the original creditor. It states it is a business type : XXXX, which I do not know what that is. I do not own a business. I do not owe any company {$8400.00}. I have never heard of nor had any contact with phishing company XXXX XXXX XXXX. Pretty much I have a bunch of scammers, hackers, fraudsters, vigilantes : targeting, harassing, and carrying out warfare on me, a XXXX, female, Veteran, and this is not what " Thank You For Your Service '' means - this is dysfunctional, sadistic, disturbing, unconstitutional, systematic abuse. Since 2008, there has been numerous and repetitive violations of the US Section Code 1389, Americans with Disabilities Act ( ADA ), Veterans Compensation Cost-of-Living Adjustment Act, Military Sexual Assault Victims Empowerment ( SAVE ) Act, Veterans Fair Debt Notice Act, Veterans Care Financial Protection Act to name few...

This new negative mark is a violation of the Fair Credit Reporting Act ( FCRA ) and phishing laws towards a victim of identity theft. I have never done business with XXXX XXXX XXXX, do not owe this amount to any company, and have not authorized the opening of any such account. As a veteran, I find this situation particularly distressing and feel it constitutes abuse of my personal information and credit. This unauthorized reporting violates several provisions of the FCRA, including Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that the furnisher knows or has reasonable cause to believe is inaccurate. Section 605 ( a ), which outlines the requirements for accuracy of information in consumer reports.

I request that the CFPB investigate this matter promptly, require the immediate removal of this fraudulent account from my credit report, and take appropriate enforcement action against XXXX XXXX XXXX for their violation of federal law. Please advise me of any additional steps I should take to protect my credit and identity. I have already placed a fraud alert on my credit file. 

Aside from this fraudulent account added to my credit file that is not mine. I also had discriminatory and predatory credits that have reported delinquency as more recent than it really is and TransUnion, XXXX and XXXX have allowed derogatory information pertaining to identity theft to remain on my credit report for longer than seven ( 7 ) years.

I have also reported to FINRA regarding credit reporting abuse and manipulation behavior to intentionally harm someone's credit which is considered a form of financial and economic abuse. Which is when an abuser is exploiting the credit reporting system to negatively impact the victim 's financial standing. This can involve actions such as : filing fraudulent or inaccurate statements, incorrectly listing public records, intentionally failing to remedy errors on the credit report, delaying and intentionally neglecting to respond to disputes about the credit reports in a timely manner. All of these abusive bejaviors violate the Fair Credit Reporting Act ( FCRA ), which requires information furnished to credit reporting agencies to be accurate, complete and mandates that furnishers of information investigate consumer disputes and correct and delete incorrect, inaccurate data. The type of abuse described causes distress, is illegal and violates the laws of the land.

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