Consumer complaint received 2024-07-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX DOB : XXXX Phone Number : XXXX Date : XXXX To : TransUnion Subject : Formal Dispute and Complaint - Violations of the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally dispute the inaccurate and erroneous information that you are currently reporting on my credit report and to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX Account Number : XXXX Account Status : Closed Original Creditor : XXXX Balance : {$84.00} Date Opened : XX/XX/year> Status : Account charged off. 
XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : Closed Age of Account : XXXX months Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B : Blocking Information Resulting from Identity Theft Violation : Despite submitting an FTC Identity Theft Report, a police report, and my verification documents ( drivers license and Social Security card ), TransUnion failed to block the disputed information within four business days as required by FCRA 605B.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer as a result of the failure, punitive damages, and attorneys fees.

2. Section 611 : Procedure in Case of Disputed Accuracy Violation : Upon receiving my dispute, TransUnion did not conduct a proper reinvestigation of the disputed information within 30 days, as mandated by FCRA 611. Instead, TransUnion continued to report the inaccurate information despite clear evidence of identity theft.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

3. Double Reporting of the Same Debt Violation : TransUnion is currently reporting both the original XXXX  account and the new XXXX XXXX XXXX collection account for the same debt. This constitutes misleading and unfair reporting, causing undue harm to my credit score. 
Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

Requested Action : I request that TransUnion take the following actions immediately : 1. Block and remove the XXXX account ( Account Number : XXXX  ) from my credit report as per FCRA 605B. 
2. Remove the XXXX XXXX XXXX collection account ( Account Number : XXXX XXXX ) from my credit report as it is the same debt as the disputed XXXX account XXXX 
3. Provide written confirmation that these accounts have been removed from my credit report.

Failure to comply with these requests will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal advice regarding potential damages for these violations.

Sincerely, 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