Consumer complaint received 2025-01-28 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX, Oklahoma XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Legal department Formal Dispute of Fraudulent Accounts Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Dear Transunion I only have One Name : XXXX XXXX XXXX XXXX Only ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Oklahoma XXXX XXXX Only ) Any other PII that differs from this information is fraud. Please Remove Any other name or address from my FICO consumer credit profile. 

I am writing to formally dispute the presence of four fraudulent accounts on my FICO credit report, which are inaccurately reported by Transunion. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). To substantiate my claim, I have enclosed an FTC Identity Theft Affidavit along with other supporting documents. 

The fraudulent accounts that I do not recognize are as follows : 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  These fraudulent accounts have led to inaccurate and damaging collection entries on my credit report, which do not belong to me. 

My Demands Under the FCRA and FDCPA 1. Immediate Removal of Fraudulent Accounts : I demand the permanent removal of the above-listed accounts from my credit report. 
2. Cessation of Collection Activities : All collection activity related to these fraudulent accounts must cease immediately, as these debts are not valid.

3. Blocking of Fraudulent Information : In accordance with FCRA section 605B, I request that Transunion block this fraudulent information from my credit report within four ( 4 ) Business Day of receiving this letter. 

Transunion Legal Obligations I previously disputed # ( XXXX ). these fraudulent accounts on XX/XX/XXXX for the second time, but you failed to provide any Proof of Ownership of the debt in question, within the 30-day investigation period as required by law. Your continued inaction violates the FCRA and demonstrates non-compliance. Under the Doctrine of Estoppel by Silence, your failure to address my disputes may be interpreted as an inability to validate these accounts. 

Additionally, Transunion has not provided any evidence, such as Original Purchase Agreements, proving these debts are legitimately attributed to me. 

Enclosed Supporting Documentation To assist in your investigation, I have included : A copy of my FTC Identity Theft Affidavit. 
A copy of my government-issued ID. 
A copy of my proof of address. 

Failure to act promptly and comply with the FCRA will leave me no choice but to escalate this matter further. Please note that the CFPB is actively litigating similar violations, and I reserve the right to join such actions should your non-compliance persist. 

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