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: KS

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Identity Theft and Inaccurate Reporting From : 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  FTC Reference : # XXXX CFPB Case Number : ( Pending Submission ) Date : XX/XX/XXXX To Whom It May Concern, I am reaching out to formally address critical inaccuracies and fraudulent activity reflected on my TransUnion credit report, resulting in violations of my consumer rights. 

Background of the Issue Despite my proactive efforts to resolve this matter, including direct communication with XXXX XXXX and submissions to relevant agencies, discrepancies persist on my report. XXXX XXXX has confirmed they lack sufficient verification to attribute these accounts to me, which highlights a clear case of identity theft. Nonetheless, these errors remain uncorrected. 

Fraudulent Accounts & Inquiries XXXX. XXXX XXXX ( Closed ) Reason : Fraud Not my account Account # : XXXX Amount : {$5500.00} / {$8900.00} Date : XX/XX/XXXX Type : Personal Card XXXX. XXXX XXXX ( Closed ) Reason : Fraud Not my account Account # : XXXX Amount : {$5000.00} / {$7500.00} Date : XX/XX/XXXX Type : 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 Refer to included report Supporting Attachments I have included the following : XXXX. Affidavit affirming fraudulent accounts and inquiries. 


XXXX. Identity Theft Complaint filed with appropriate agencies. 


XXXX. CFPB Filings ( Pending Submission ). 


XXXX. Correspondence, including letters from XXXX XXXX XXXX XXXX, corroborating my claims. 


XXXX. Copies of my ID and Social Security card for verification. 



Applicable Legal Standards 1. 15 U.S.C. 1681s-2 : Prohibits creditors from reporting inaccurate information with knowledge or reasonable cause of its falsity.

2. 15 U.S.C. 1681c-2 : Mandates the removal or blocking of information resulting from identity theft. 



Precedent cases such as XXXX XXXX TransUnion LLC underscore the legal obligations of credit bureaus to ensure accuracy and compliance with the Fair Credit Reporting Act. 

Request for Action I request the following immediate actions : XXXX. Removal of all fraudulent accounts and inquiries listed above. 


XXXX. Deletion of the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as it is unrelated to me. 



This matter requires urgent attention to prevent further harm to my financial integrity. I trust TransUnion will fulfill its obligations under the law. Please provide written confirmation of the corrections within 30 days. Should this issue remain unresolved, I will consider additional legal remedies. 

AND FOR THESE CREDITORS TO BE BLOCKED FROM ACCESSING MY CREDIT REPORT IN THE FUTURE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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