Consumer complaint received 2024-11-30 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: OH

Complaint narrative:
Complaint Details What Happened : I am a victim of identity theft, which has resulted in fraudulent accounts, unauthorized inquiries, and incorrect personal information appearing on my TransUnion credit report. As a victim of the XXXX data breach, my sensitive personal information was exposed, making me vulnerable to fraudulent activity. Despite my efforts to resolve these issues, the following inaccuracies persist : XXXX. Fraudulent Accounts The following accounts are fraudulent and negatively impact my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details : Fraudulent auto loan, charged off with a balance of {$10000.00}. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : Fraudulent auto loan, charged off with a balance of {$21000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details : Fraudulent revolving account, charged off with a balance of {$480.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details : Collection account with a balance of {$220.00}. 
XXXX. Unauthorized Credit Inquiries The following credit inquiries were made without my knowledge or authorization and are tied to fraudulent activity. These inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Personal Information The following personal information is inaccurate or fraudulent : Names Listed Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request : Retain only my correct legal name : XXXX XXXX XXXX. 
Addresses Incorrect/Fraudulent Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Employers Fraudulent Employers : Impact Community Action XXXXXXXX XXXX XXXX Request : Remove all employer information, as it is irrelevant and inaccurate. 
Legal Basis Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ) : Fraudulent accounts must be blocked within four business days upon receiving notice of identity theft.

15 U.S.C. 1681b ( c ) : Prohibits unauthorized credit inquiries.

15 U.S.C. 1681i ( a ) : Requires disputes to be investigated and resolved within 30 days. 
FACTA ( Fair and Accurate Credit Transactions Act ) : Victims of identity theft are entitled to block fraudulent information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Credit bureaus are liable for failing to investigate disputes reasonably.

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