Consumer complaint received 2024-03-12 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: IL

Complaint narrative:
It has come to my attention that my credit with your organization has been compromised. I have discovered that items are not being removed from my credit report, even when accompanied by a Federal Trade Commission ( FTC ) report. This communication serves as formal notification that I have been a victim of fraudulent activity. According to the Fair Credit Reporting Act Section 605B ( a ), your organization is obligated to remove any items opened without my authorization, consent, or knowledge within four business days, provided I submit ( 1 ) valid proof of my identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement asserting that the information is not related to any transactions I have made. The items listed below are fraudulent and must be removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$4700.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance : {$0.00} =======TRANSUNION : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00}. Should you assert that these items are accurate and verifiable, I request that you provide me with documentation bearing my signature associated with these items, as I believe such documentation does not exist. In the absence of a signed agreement from me, these items must be removed from my credit file. Enclosed with this communication is my latest FTC report, number XXXX. It has come to my notice that there might be a pattern of non-compliance with the FCRA statute in your handling of such matters. Ignoring this request may compel me to seek legal advice and action. I urge you to avoid escalating this matter into a legal dispute and to act within four business days to remove any fraudulent items from my credit file. I do not authorize the use of E-OSCAR or any automated verification methods in this matter. Your prompt attention and response within the specified timeframe are anticipated and appreciated.

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