Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
Personal Statement Regarding Identity Theft I, XXXX XXXX, am writing this personal statement to detail my experience with identity theft, a distressing situation that has significantly impacted my life. This statement serves to outline the events leading to the theft, the actions I have taken to address the situation, and the ongoing challenges I face as a result. 

Background I reside at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and can be reached at XXXX or via email at XXXX. My journey into this nightmare began due to a data breach involving major corporations such as XXXX and XXXX, among others. These breaches exposed my personal information, including my Social Security number, to malicious actors on the dark web. The ramifications of this breach have been both financially devastating and emotionally exhausting. 

Incident Description On XX/XX/XXXX, I first reported the identity theft to the XXXX authorities . During this time, I discovered that my identity had been used to open several fraudulent accounts, including personal loans and credit cards. The cumulative financial burden from these unauthorized transactions exceeded {$45000.00}. This situation escalated when I learned that my vehicle identification number ( VIN ) and license plate had been utilized to create false accounts. I was not only a victim of identity theft but also found myself tangled in a web of fraudulent activities that I had no part in creating. 

Actions Taken In response to this alarming situation, I took immediate action to notify law enforcement. I reported the identity theft to the police authorities in XXXX XXXX in XX/XX/XXXX, hoping to gain assistance in rectifying the fraudulent activities associated with my name. I have also documented every step I have taken in this process, including filing police reports and gathering affidavits related to identity theft. These documents serve as crucial evidence in my fight to restore my identity and clear my name. 

Legal Framework and Violations My situation is not just a personal tragedy; it also highlights significant violations of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus such as Equifax and Experian conduct reasonable investigations into disputes and report accurate information. However, my experience has shown that these agencies often fail to uphold their obligations to consumers. Specifically, the following sections of the FCRA are relevant to my case : XXXX U.S.C. XXXXi ( a ) ( 6 ) ( B ) ( 3 ) : This section mandates accurate reporting and timely investigation of disputes. 
XXXX U.S.C. XXXXi ( a ) ( 1 ) : This requires credit bureaus to conduct reasonable investigations into claims of fraud or identity theft. 
XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ) : This outlines the requirements for reporting and correcting inaccurate information. 
Despite these protections, I have faced significant challenges in resolving the inaccuracies on my credit report, leading to ongoing financial distress. 

Impact of Identity Theft The emotional toll of this experience has been profound. I have spent countless hours contacting credit bureaus, law enforcement, and other agencies to rectify the situation. Each call, each email, and each visit to a financial institution has been a reminder of the violation I have suffered. The stress of living with the knowledge that my identity has been misused has affected my mental health and overall well-being. 

Moreover, I have encountered difficulties in obtaining credit for legitimate needs due to the fraudulent accounts that plague my credit report. This has hindered my ability to secure loans, apply for housing, and even obtain employment in some cases. The fear of being denied opportunities because of someone else 's actions is a constant source of anxiety. 

Legal Precedents In compiling my evidence, I have researched relevant case law that highlights the responsibilities of credit reporting agencies and the rights of consumers like myself. Several cases reinforce my claims : XXXX XXXX TransUnion LLC : The court found TransUnion liable for failing to conduct proper investigations related to identity theft. 
XXXXXXXX XXXX TransUnion LLC : This case established liability due to negligent reporting of inaccurate data. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX : This ruling determined that XXXX  violated the FCRA by not correcting inaccurate information after being notified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Here, the court ruled that XXXX was liable for continuing to report inaccurate information despite multiple disputes. 
These cases underscore the legal framework that should protect consumers but often fails to do so in practice. 

Request for Action I am submitting this personal statement, along with my affidavit, to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX ( XXXX ), and other relevant agencies. I urge these organizations to investigate my claims thoroughly and take appropriate action to rectify the inaccuracies on my credit report. I seek the removal of all fraudulent accounts associated with my name to restore my identity and financial stability. 

Conclusion In conclusion, my experience with identity theft is a cautionary tale of the vulnerabilities present in our digital age. Despite the protections afforded to me under the law, I continue to fight against the repercussions of someone else 's actions. I hope that by sharing my story, I can raise awareness about the importance of identity protection and the need for stricter regulations on credit reporting agencies. The journey to reclaim my identity has been arduous, and I remain determined to see it through to a resolution. Thank you for considering my situation with the seriousness it deserves. 


Affidavit of Identity Theft State of New York County of [ Your County ] I, XXXX XXXX, declare the following : Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Phone : XXXX Email : XXXX Incident Description : I am a victim of identity theft due to a data breach involving XXXX, XXXX, and other methods associated with the dark web. My personal information, including my Social Security number, has been compromised. 
Notifications : I notified XXXX authorities of this identity theft on XX/XX/XXXX, at XXXX XXXX 
I also informed the police authorities in New York of the situation in XX/XX/XXXX. 
Fraudulent Activity : My identity has been stolen to open various fraudulent accounts, including personal loans and credit cards. This has resulted in unauthorized toll charges, accumulating a financial burden exceeding {$45000.00}. 
Specific fraudulent actions include : Use of my vehicle identification number ( VIN ) and license plate to create false accounts. 

Fraudulent Charges on XXXX XXXX XXXX XXXX have been disputed with Transunion more than 4 times on their Transunion website. 
Fradulent Charges on XXXX XXXX XXXX have been disputed with Transunion on TranUnion websiter more than 4 times. 
Opening of personal loans and credit cards in my name without my consent. 
Legal Framework and Violations : This affidavit is submitted under the protection of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXXi ( a ) ( 6 ) ( B ) ( 3 ) - mandates accurate reporting and timely investigation of disputes. 
XXXX U.S.C. XXXXi ( a ) ( 1 ) - requires credit bureaus to conduct reasonable investigations. 
XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ) - outlines requirements for reporting and correction of information. 
This affidavit also pertains to relevant New York and Florida statutes regarding identity theft and consumer protection. 
Applicable Case Law : XXXX XXXX TransUnion LLC : The court found TransUnion liable for failing to conduct proper investigations related to identity theft. 
XXXX XXXX. TransUnion LLC : Liability was established due to negligent reporting of inaccurate data. 
XXXX XXXX. Trans Union, LLC : Credit bureaus are responsible for correcting inaccurate information once notified. 
XXXX XXXX XXXX XXXX XXXX XXXX : Reinforces liability under the FCRA for failing to correct inaccurate or incomplete information. 
Additional relevant cases in New York and Florida highlight consumer rights against fraudulent reporting and identity theft. 
Request for Action : I request that all fraudulent accounts be investigated and removed from my credit report. 
I am submitting this affidavit to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ), and other relevant agencies to seek resolution and protection against further fraudulent activities. 
Evidence : Attached are copies of police reports, identity theft affidavits, and other relevant documentation to support my claims. 
I declare under penalty of perjury that the foregoing is true and correct. 

Executed on XX/XX/XXXX Signature : XXXX 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