Consumer complaint received 2024-09-12 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: KS

Complaint narrative:
New Complaint & FTC # " THIS IS NOT A DUPLICATE '' TransUnion Fraud Division TransUnion LLC Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Subject : Fraudulent Accounts and Request for Removal FTC # XXXX Dear TransUnion Team, My name is XXXX XXXX ( DOB : XX/XX/XXXX, Social Security : XXXX ), and I have been a victim of identity theft. Despite reaching out to the credit bureaus, fraudulent information continues to appear on my credit report, which has severely impacted my credit score, lowering it into the XXXX. This situation has resulted in the denial of a home loan. I have also filed a new FTC complaint ( # XXXX ) and request your immediate attention to this matter. 

Statement of Involvement : I, XXXX XXXX, confirm that I am submitting this request independently and without the assistance of any third party. I have previously filed multiple disputes, particularly concerning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX accounts , both of which are fraudulent. Recently, a new XXXX XXXX XXXX account has appeared on my report that I do not recognize, further damaging my credit score by XXXX points instead of reflecting a XXXX increase. 

Fraudulent Accounts to be Removed : 1. XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$11000.00} - Credit Limit : {$12000.00} - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$11000.00} - Credit Limit : {$12000.00} - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX 3. XXXX XXXX Account Number : XXXX - Amount : {$1400.00} - Credit Limit : {$350.00} - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX 4. XXXX - Account Number : XXXX - Amount : {$0.00} - Credit Limit : {$0.00} - Date Opened : XX/XX/XXXX - Open as of : XX/XX/XXXX 5. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} - Credit Limit : {$350.00} - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX Credit Score Discrepancy : I also dispute the current score reported by TransUnion, which should reflect a XXXX, in line with the other credit bureaus. 

Incident Report : During my efforts to dispute inaccuracies, I was informed that TransUnion allegedly sides with creditors. I was advised to file an FTC complaint, but despite submitting the necessary identity theft documentation, no changes have been made to my account. Furthermore, after mailing sensitive information to TransUnion, my credit report was tampered with, leading to additional inaccuracies. 

Legal Basis for Removal : Under the provisions of 15 U.S.C. 1681c-2 I am formally requesting the removal of these fraudulent accounts and inquiries from my credit report. This request is in accordance with my right to have incorrect or unauthorized information blocked following incidents of identity theft. 

Rights Referenced : 1. 15 U.S.C. 1681s-2 Prohibits the reporting of information known to be inaccurate.

2. 15 U.S.C. 1681c-2 Provides for the blocking of identity theft-related information on consumer credit reports. 

Notable Cases : - XXXX XXXX TransUnion LLC : The plaintiff successfully sued TransUnion for reporting incorrect accounts, violating the Fair Credit Reporting Act ( FCRA ). 
- United States v. TransUnion LLC : TransUnion was penalized {$60.00} XXXX for inaccurate reporting and deceiving consumers. 

Conclusion : Please address these inaccuracies at your earliest convenience and remove the listed fraudulent accounts and inquiries. I have attached new FTC and CFPB complaints for your reference. 

XXXX XXXX XXXX XXXX has faced multiple legal cases related to incorrect credit reporting. Some of the most notable include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) This case involved the inaccurate reporting of charge-offs. The plaintiff claimed that XXXX XXXX reported multiple charge-offs when there was only one, leading to false information on their credit reportXXXX. 

2. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) This case centered on allegations under the Fair Credit Reporting Act ( FCRA ). The plaintiff accused XXXX XXXX of failing to properly investigate disputed charges, resulting in incorrect information being reported to credit bureausXXXX. 

3. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined XXXX XXXX  {$28.00} XXXX for deceptive debt collection practices, which included falsely threatening consumers about the credit consequences of delinquent payments, leading to inaccurate credit reportingXXXX. 

These cases highlight XXXX XXXX 's involvement in disputes related to improper credit reporting, often tied to broader issues of debt collection and loan servicing practices. 


XXXX XXXX XXXX XXXX is currently facing a class-action lawsuit accusing it of racial discrimination in its mortgage lending practices. The lawsuit, led by prominent attorney XXXX XXXX, alleges that the credit union systematically denied home loans to XXXX and XXXX applicants at higher rates than their white counterparts, even when applicants had similar financial profiles. For example, data shows that in XXXX, XXXX XXXX approved loans for 77 % of XXXX  applicants but only 48 % of XXXX applicants. XXXX, XXXX  XXXX, and XXXX applicants also faced approval disparities.The plaintiffs, which include current and former military members, argue that these practices violate several federal laws, including the Fair Housing Act and the Equal Credit Opportunity Act. Some claim that when loans were approved for minority applicants, they often came with worse interest rates and terms compared to those offered to white borrowers. The lawsuit highlights the emotional and financial toll this has taken on those affected, forcing them to seek more expensive alternative financing. 

Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, KS XXXX Email : XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX Owner Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX ( Enclosures : New CFPB Complaint, FTC Identity Theft 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