Consumer complaint received 2025-03-02 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:
I am writing to formally lodge a complaint and request the immediate removal of fraudulent and inaccurate items that appear on my credit report, which were caused by identity theft. These items were opened in my name without my consent, and their continued presence on my credit report is causing significant harm to my credit score and financial stability. I am requesting the prompt removal of these items in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing Section 605 ( b ) and Section 1681c-2.The following items on my credit report are the result of identity theft, unverifiable data, or inaccurate information, and I request their removal : 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 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 of Dispute : Misleading/Incorrect ReportingLegal Basis for RequestUnder FCRA Section 605 ( b ), I have the legal right to request the removal of fraudulent information from my credit report if the information was the result of identity theft. Additionally, FCRA Section 1681c-2 requires that fraudulent accounts resulting from identity theft be removed from my credit report upon submission of appropriate documentation, such as a police report or Identity Theft Affidavit.I have attached an Identity Theft Affidavit to support my claim. These fraudulent accounts remain on my credit report despite my efforts to notify the affected creditors. Therefore, I am requesting immediate action to remove these accounts.Request for Immediate Action and Compliance with FCRAIn accordance with FCRA Sections 605 ( b ) and 1681c-2, I respectfully request the immediate removal of the above-listed accounts from my credit report. Given the ongoing harm these fraudulent and inaccurate entries are causing, I request that these items be removed within four ( 4 ) business days from the date of this letter.The continued presence of these items on my credit report is a direct violation of my rights under the FCRA and is severely impacting my creditworthiness and financial opportunities. I am requesting your immediate assistance to ensure my credit report is corrected in a timely manner.Supporting Documentation Please find attached the following documents to support my request : Identity Theft AffidavitCopy of my credit report highlighting the disputed itemsAdditional correspondence with creditors or fraud alerts ( if applicable ) I trust that the Consumer Financial Protection Bureau will take immediate action to investigate and ensure the swift removal of these fraudulent and inaccurate items from my credit report. I look forward to receiving confirmation of the removal of these accounts within four ( 4 ) business days.Please contact me immediately if additional information or clarification is required. I appreciate your prompt attention to this urgent matter.Sincerely, XXXX XXXX you responded that In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-DELETED Other miscellaneous actions take based on your request were : Fedral Freeze - LIFTED i did not request a freeze to be lifted and those creditors and you did not supply me with documentation that verifies that these accounts are mine. these accounts need to be removed as i requested because they are not mine. I am requesting whatever documentation was used to verify these accounts belong to me

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 explanation