Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
I am writing to formally dispute the following items on my credit report, which I believe are the result of identity theft. I have been actively working to resolve these issues over the past few years, and I am providing detailed information to support my claims. Please investigate and remove these fraudulent items from my credit report as soon as possible. 
XXXX. XXXX XXXX XXXX XXXX- $ XXXX While you removed a fraudulent XXXX XXXX car loan from my report, they have refused to remove a fraudulent credit card account. They claim the debt was verified, but no proper investigation was conducted. I requested documentation, but the debt has since been sold to a collection agency that is blocked by the Consumer Financial Protection Bureau ( CFPB ) from reporting. This account is not mine, and I did not authorize it. **Action Requested : ** Remove this account from my credit report under **FCRA Section 611 ( 15 U.S.C. 1681i ) ** and **FCRA Section 623 ( 15 U.S.C. 1681s-2 ) **. 
XXXX. XXXX  - $ XXXX Transunion responded to the CFPB, claiming the account was removed from my credit report. However, it is still present on my report as of today. This account is fraudulent and was not authorized by me. **Action Requested : ** Remove this account immediately under XXXX*FCRA Section 611 ( 15 U.S.C. 1681i ) **. 
XXXX. XXXX  - $ XXXX XXXX is reporting the same account twice with conflicting statuses : one as a charge-off and the other as paid in good standing. This is impossible, as both can not be true simultaneously. Additionally, XXXX is a prepaid service, meaning I borrowed my own money. I closed this account and received {$45.00} back, which would not have happened if I owed money. 
Action Requested : ** Remove both entries from my credit report under **FCRA Section 611 ( 15 U.S.C. 1681i ) 4. Fraudulent Addresses The following addresses on my credit report are fraudulent and do not belong to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and only valid address is : XXXX XXXX XXXX, XXXX, XXXX  XXXX Action Requested : ** Remove these fraudulent addresses under **FCRA Section 611 ( 15 U.S.C. 1681i ) **. 
5. Unauthorized Inquiries** The following inquiries were made without my authorization : 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 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 **Action Requested : ** Remove these unauthorized inquiries under **FCRA Section 611 ( 15 U.S.C. 1681i ) **. # # # **Supporting Documentation** I have attached the following documents to support my dispute : 1. Copy of my government-issued ID.

2. Proof of my current address ( utility bill or lease agreement ).

3. Police report or FTC Identity Theft Report ( if applicable ). 
4. Correspondence with XXXX XXXX, XXXX, and XXXX. Under the **Fair Credit Reporting Act ( FCRA ) **, you are required to investigate my dispute within 30 days and provide a written response. If the disputed items can not be verified, they must be removed from my credit report. Please confirm receipt of this letter and provide updates on the investigation. If these items are not removed, I will escalate this matter to legal.

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