Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am writing to formally dispute an account reported by XXXX XXXX XXXX on my credit report. 
Key Details of the Dispute : 1. Victim of Identity Theft : I am a victim of identity theft, and I had no knowledge of this account or any associated debt. My personal information was fraudulently used without my consent. As such, I am not responsible for the debt reported by XXXX XXXX XXXX. 
2. XXXXXXXX XXXX Military Status : At the time the account was opened, I was serving as an XXXX-XXXX  military service member. As a result, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which ensures that military personnel are not subjected to financial burdens that could cause undue hardship during their service.

3. Request for Investigation and Removal : Given that this account was opened fraudulently, I respectfully request that XXXX XXXX XXXX  be required to verify the legitimacy of the debt. If they are unable to provide verification, I request that this account be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Relevant Rules and Clauses for Collection Agencies : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) : o Section 1681i : This section mandates that credit reporting agencies like TransUnion investigate disputed information within 30 days. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from the credit report.

o Section 1681s-2 : Under this section, furnishers of information ( like XXXX XXXX XXXX ) are required to report accurate and complete information. If the collection agency can not verify this account, it should be removed from my credit report.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 ) : o Section 1692e : This section prohibits debt collectors from making false or misleading representations when collecting or reporting debt. Since this account is the result of identity theft, XXXX XXXX XXXX is violating this rule by continuing to report this inaccurate information. 
o Section 1692g : This section requires debt collectors to provide written verification of the debt when a consumer disputes it. Since I am disputing this debt, XXXX XXXX XXXX must provide documentation proving the debts validity. If they can not provide verification, they must cease collection efforts and remove the account from my credit report.

3. Servicemembers Civil Relief Act ( SCRA ) ( 50 U.S.C. 3937 ) : o As an XXXX military service member, I am entitled to specific protections under the SCRA, which provides financial relief and safeguards from certain debt collection activities during my service. These protections are particularly important in cases like this where the account may have been opened fraudulently or without my knowledge.

o SCRA protections also ensure that military members are not unfairly burdened with debts that may have been incurred outside of their control or while they are serving. Given the fraudulent nature of this debt, I believe that XXXX XXXX XXXX should be required to fully verify this account before reporting it.

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 explanation