Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
UNDER section 605B subsection ( a ) of the FCRA law Transunion has a duty to block and delete the reporting of the XXXX credit card account off of my credit report as it is an account and information that results from identity theft ; this must be done no later than 4 business days after receipt of such complaint. My information was stolen in a breach, either with the XXXX breach or the XXXX XXXX and alumni breach. 

Initial account dispute due to identity theft and fraud for XXXX XXXX  credit card ending XXXX. Was initiated XX/XX/XXXX and investigation was finalized along with results XX/XX/XXXX. The account was deleted from my credit report as it was found fraudulent on XX/XX/XXXX. The account has since been reinserted on my credit report XX/XX/XXXX, a month and 13 days after the investigation was finalized. Transunion allowed the account to be reported 43 days after the investigation was finalized, without notifying me that the account would be reinserted on my credit report 5 days prior as required by FCRA Law. Transunion has violated my rights under this law and as of today still has failed to notify me of the reinsertion. Similarly, they have allowed XXXX to reinsert the account after they found the account was fraudulent because the creditor reporting the fraudulent account is reporting the account with different information for the sake of getting the information reinserted and making me ( the victim of identity theft ) responsible for an account I did not open. XXXX has changed the account number and account balance from the {$18000.00} to {$15000.00} as a ploy to get the information reinserted which is in violation of my rights under FCRA laws as well. 

I am a victim of identity theft and have since had to report and dispute multiple accounts associated with my credit report. The credit card with XXXX XXXX  was opened in my maiden name ( XXXX XXXX ), after I have already been going by XXXX XXXX XXXX XXXX XXXX XXXX ) for 6 years. All of my accounts are under and have been under the name XXXX XXXX XXXX and I have been using my this name since XXXX, this card was opened fraudulently in my name and would like for it to be removed. This credit card is negatively impacting my credit and is not mine. This card/account does not appear on my credit reports with the other bureaus : XXXX and XXXX. Additionally, the account was reinserted on my credit report with different information, initially it showed with a balance of {$18000.00} and as of yesterday it shows with a balance of {$15000.00}. XXXX XXXX  is reporting an account to credit reporting agencies with varying information or different information. Similarly, Transunion violate FCRA laws by failing to send communication in writing certifying that they would be reinserting the deleted information with 5 business days so I will also be taking up this matter with the CFPB and FTC as my rights under the FCRA have been violated. Similarly, the account demographic information associated with the account is incorrect as well. They have stated that addresses XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are associated with the account, but I have not lived at such addresses. I will be providing my approved XXXX XXXX XXXX to provide a list of addresses I have lived at in the past 9 years. Similarly, the phone number they have on file is not my phone number. My phone number is ( XXXX ) XXXX. I TOLD XXXX I DID NOT KNOW WHO STOLE MY IDENTITY AND WHO HAS BEEN IMPERSONATING ME, HOWEVER I WAS AWARE OF A DATA BREACH I EXPERIENCED IN COLLEGE ALONG WITH OTHERS IN MY CLASS AND OTHER CLASSES. INFORMATION SUCH AS SSN, FULL LEGAL NAME AND OTHER IDENTIFYING INFORMATION WERE COMPROMISED FOR EVERYONE AND AS A RESULT THEY OFFERED EVERYONE FREE IDENTITY MONITORING, WHICH I COULD NOT GET ACCESS TO. I noticed the account, once I was attempting to gain access to my XXXX account and could not XX/XX/XXXX. I needed access so I could review my options for purchasing a new car and once I received assistance from support with XXXX to regain access I saw this account on my report that does not belong to me in my maiden name. The account was opened after I got married and changed my name in XXXX, the account also has information associated with it that is not mine ( I.e, addresses, phone numbers, emails ). I do not currently have access to said account as it is not mine and have file police reports, FTC reports and provided documentation for both. XXXX reinserted the account with XXXX XXXX  without following the guidelines of FCRA law. Similarly, they allowed this reinsertion without reinvestigation and notification, and they allowed this to be reported to my credit report with incorrect information and went as far as changing my name on my credit report to XXXX XXXX from XXXX XXXX XXXX My legal name is and has been XXXX XXXX for almost 6 years and I attempted to dispute the information however they have not changed this either when my name has legally been XXXX XXXX for years . Similarly, the account has been reinserted and I have provided document evidence showing that the account has incorrect information associated with it. This account does not appear on my XXXX and XXXX reports as they found that the account was fraudulent. My name is also listed correctly for each CRA except Transunion. 

ALL DOCUMENTATION HAS BEEN SENT TO TRANSUNION : PROOF OF IDENTITY, proof of address, AND FRAUD ( i.e. police report and FTC report )

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