Consumer complaint received 2024-03-10 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: IL

Complaint narrative:
My identity has been used without my consent acknowledge nor my permission please delete and remove this fraudulent inquiries and accounts and addresses from my credit report immediately inquire : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX This inquires are unauthorized these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report XXXX and TransUnion report XXXX It must be removed ASAP. Incorrect address XXXX XXXX XXXX IL XXXX, and Account-XXXX ( charged off ) XXXX XXXX XXXX XXXX, this account have XXXX different last active dates on each of the 3 credit bureaus which shows inaccurate information reporting on my credit which is a violation under the FCRA 15 U.S.C. 1681e section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates also 15 U.S.C. 1681i section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, and also the same issues going with XXXX ( close account ) Balance XXXX XXXX XXXX also have XXXX inaccurate last active dates which is a violation of the FCRA ,15 U.S.C. 1681e and 15U.S.C 1681i in which I just explained above, these accounts is not mine as well! Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these accounts, address, and inquiries must be deleted immediately 15 U.S. Code 1679c - 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681 - please remove these unauthorized inquiries by law thank you 15 U.S. Code 1681b - Permissible purposes of consumer reports The statute of limitations for bringing suit to remedy an alleged FACTA violation is two years from discovery of the violation, but not later than five years from the violation. 15 U.S.C. 1681p. The truncation provision, which had a phased-in effective date depending on when registers were manufactured, became fully effective in XXXX XXXX, 15 U.S.C. 1681c ( g ) ( 3 ), and was met with an almost overnight onslaught of class action lawsuits please remove all the inappropriate, inaccurate, illegal information I have stated above in this complaint thank you

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