Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
Subject : Complaint Regarding Identity Theft, Unrecognized Accounts, and Unauthorized Inquiries on Credit Reports To Whom It May Concern, I am writing to file a complaint regarding errors on my credit reports with XXXX, TransUnion, and XXXX. I have been a victim of identity theft, and my personal information has been compromised multiple times. Consequently, my credit reports now include several unauthorized accounts and inquiries that I do not recognize or approve. I was a part of the XXXX XXXX XXXX, my information has been online and used numerous times. 

Specific Issues : 1. Debt in Collections : Accounts totaling in collections are present on my reports, which I do not recognize or authorize. For example, the report mentions : Source XXXX XXXX ( {$790.00}, reported on XX/XX/XXXX ) XXXX XXXX ( {$1300.00}, reported XX/XX/XXXX ). 
XXXX. Charge-Off Accounts : My credit reports also list charged-off accounts that I did not authorize, including : XXXX, XXXX ( {$120.00} XXXX opened XXXX XXXX, XXXX, and reported as charged off on XX/XX/XXXX ). 
XXXX XXXX ( {$150.00}, opened XXXX XXXX, XXXX, and reported as charged off ). 
XXXX ( {$160.00}, opened XX/XX/XXXX, and reported as charged off ). 
XXXX. Unauthorized Hard Inquiries : My credit reports list several hard inquiries that I did not authorize, including : XXXX : Multiple inquiries from financial institutions like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 
TransUnion : Unrecognized inquiries from institutions such as XXXX  and XXXXXXXX 
XXXX : Unauthorized inquiries from institutions like XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
4. Unfamiliar Accounts : There are open and closed accounts on my credit report for which I have no record of applying or owning, including : XXXX XXXX  ( secured loans reported with balances I did not authorize ). 

Steps Taken So Far : I have contacted the credit bureaus and creditors requesting corrections and proof of the legitimacy of these accounts. However, no resolution has been achieved. 
I have also filed reports regarding identity theft to ensure that the necessary documentation is in place & signed up for credit monitoring and freezes. 

Requested Resolution : I request that all unrecognized accounts, debts, and inquiries be investigated and removed from my credit reports. 
Please ensure that my file is flagged for identity theft and that further protective measures are taken. 

This situation is affecting my financial standing and peace of mind. I request the CFPBs assistance to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and that my credit reports are corrected promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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