Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion P.P Box XXXX XXXX XXXX PA XXXX I am writing to formally request the removal and blocking of fraudulent accounts and inaccurate information from my credit report that were opened without my knowledge or consent. These accounts were a direct result of human trafficking, during which I was subjected to forced labor, fraud, and debt bondage. 

As a XXXX XXXX XXXX XXXX, I am entitled to specific protections under the Trafficking Victims Protection Act ( TVPA ) of 2000, and my rights are further reinforced by the Fair Credit Reporting Act ( FCRA ). These protections ensure that negative credit items resulting from identity theft or financial exploitation can be promptly removed and blocked. 

Fraudulent Accounts and Inaccuracies The following items on my credit report are fraudulent and must be removed and blocked immediately : ( 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 Additionally, the addresses and names associated with these accounts are incorrect. Please remove and block : Any address that does not correspond to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) All incorrect name spellings or variations that do not specifically state ( Name ). 

Legal Basis for My Request Under FCRA 605C ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block or remove adverse information resulting from trafficking-related activities within four business days of receiving a victims request and supporting documentation.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), any information identified as the result of identity theft must also be blocked within four business days, and credit bureaus are required to notify the furnishers of this information to ensure its removal from my credit file.

Request for Immediate Action I respectfully request that these items be removed and blocked within four business days from the date you receive this letter, pursuant to the FCRA 605C and 605B. This includes : 1. Removing and blocking all unauthorized accounts. 
2. Blocking and correcting all inaccurate addresses.

3. Blocking and correcting all incorrect name spellings or variations.

Supporting Documentation To assist in your review, I have attached : 1. A certified letter from the Department of Health and Human Services ( HHS ) under section 107 ( b ) of the TVPA. 2. My self-attestation documentation.

3. An FTC Identity Theft Report.

4. Copies of my Social Security card, drivers license, and a utility bill to verify my identity.

Conclusion As a victim of human trafficking, I have faced significant challenges and hardship. These fraudulent accounts and inaccuracies have caused me further harm, and I am now working to rebuild my life. I urge you to handle this matter with the urgency and care required under the law.

Please confirm in writing that these fraudulent accounts and inaccurate information have been removed and blocked within four business days, and provide documentation of the actions taken to notify data furnishers. 

Thank you for your prompt attention and assistance. 

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