Consumer complaint received 2024-10-08 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: SC

Complaint narrative:
( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. CREDIT BUREAU : XXXX XXXX TRANS UNION LLC XXXX ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLC XXXX OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC XXXX REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING XXXX XXXX TRANS UNION XXXX XXXX THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. XXXX XXXX TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF XXXX XXXX TRANS UNION LLC XXXX NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. XXXX XXXX XXXX XXXX LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the XXXX and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities XXXX of XXXX, as amended ( the Securities XXXX ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the XXXX and members of management party to the XXXX Rights XXXX is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the XXXX XXXX that we XXXX undertake. The XXXX Rights XXXX also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which XXXX arise under the Securities XXXX. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX TRANS UNION LLC XXXX SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.

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