Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account contains erroneous information that is harming my credit profile. According to **FCRA Section 623 ( a ) ( 1 ) ** Furnishers of information are obligated to ensure accuracy. This account has multiple discrepancies, including incorrect open dates, balances, and reporting dates. I demand its immediate deletion under **FCRA Section 611 ( a ) ( 1 ) ** and **FCRA Section 623 ( a ) ( 1 ) **, as it fails to meet accuracy requirements.

XXXX  XXXX XXXX This account is inaccurately listed as an open 
account when it is, in fact, a closed collection account, in violation of **FCRA Section 607 ( b ) **, which mandates the accuracy and integrity of information provided. Further, as an alleged collection account, it must be verified with legitimate documentation. I demand evidence of permissible purpose under **FCRA Section 604 ( a ) ( 3 ) ** and proof of a legitimate debt in compliance with **FDCPA Section 809**. If proof can not be provided, this account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting on this account is inconsistent and inaccurate, violating **FCRA Section 623** and **FCRA Section 605 ( a ) **. It includes discrepancies in payment statuses, open dates, and comments, impacting my credit score unjustly. This account should be deleted immediately as it was inaccurately reported and not substantiated as per **FCRA 611 ( a ) ( 1 ) **. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is incorrectly reported with varying open dates and payment statuses, making it clear that the information provided lacks accuracy and consistency. This is a violation of **FCRA Section 623 ( a ) ( 1 ) ** and **FCRA Section 607 ( b ) **. The conflicting information damages my credit standing, and I demand its removal. This accounts reporting also fails to meet the requirements of **FCRA Section 605 ( a ) **. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This collection account has been reported without appropriate verification or substantiation of the alleged debt, in clear violation of **FDCPA Section 809**. There is no proof of the debt being valid, and as such, it should not be listed on my report. Additionally, **FCRA Section 611 ( a ) ( 1 ) ** mandates that information must be verifiable, and without sufficient evidence, this account must be removed promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This hard inquiry was unauthorized and lacks permissible purpose, violating **FCRA Section 604 ( a ) ( 3 ) **. I am demanding evidence of my consent to this inquiry. If no legitimate authorization is found, this inquiry must be removed immediately. The presence of this unauthorized inquiry is a breach of my **Right to Privacy**, and it infringes upon my protections under **FCRA Section 609 ( a ) ( 1 ) **.

These accounts listed above have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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