Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX SSN : XXXX RE : XXXX To Whom It XXXX Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : CREDIT XXXX BANK NA Account number : XXXX XXXX. Account name : UPSTART NETW Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : AFFIRM XXXX Account number : XXXX XXXX. Account name : AFFIRM XXXX Account number : XXXX XXXX. Account name : AFFIRM XXXX Account number : XXXX XXXX. Account name : AFFIRM XXXX Account number : AWNQ**** XXXX. Account name : XXXX XXXX FIN Account number : XXXX XXXX. Account name : PORTFOLIO Account number : XXXX The Following Informations and Inquiry are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX ONEMAIN Date of Inquiry XX/XX/XXXX UPSTARTNET Date of Inquiry XX/XX/XXXX GLOBALLEND Date of Inquiry XX/XX/XXXX GMFNANCIAL Date of Inquiry XX/XX/XXXX ALLYFINANC Date of Inquiry XX/XX/XXXX BECKMBGMC Date of Inquiry XX/XX/XXXX SANANTDCJ Date of Inquiry XX/XX/XXXX ALLYFINANC Date of Inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1600.00} ML TAB BANK Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX BANK Date of Inquiry XX/XX/XXXX XXXX XXXX of Inquiry XX/XX/XXXX UPSTART NETW Date of Inquiry XX/XX/XXXX SYNCB Date of Inquiry XX/XX/XXXX XXXX FCU Date of Inquiry XX/XX/XXXX TD AUTO FIN Date of Inquiry XX/XX/XXXX XXXX AND XXXX Date of Inquiry XX/XX/XXXX XXXX FCU Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX My identity has been stolen you are hereby put on notice. 

Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

XXXX XXXX XXXX Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX states XXXX XXXX XXXX Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have attached all the relevant documents pursuant the above Section of the law. 

I demand all the above Fraudulent accounts DELETED immediately. 

I Demand an updated copy of my Consumer file reflecting these changes ( XXXX XXXX XXXX XXXX XXXX Access to free reports ) Be Advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ) FTC Attorney XXXX XXXX XXXX XXXX state and Mine Thank you, XXXX XXXX

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