Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
am writing to formally dispute multiple inaccuracies on my TransUnion credit report that are the result of identity theft. These fraudulent accounts were not opened by me, and I request that they be removed immediately from my credit report. 

Specifically, I am disputing the following fraudulent collection accounts and the XXXX repossession : XXXXL ( Account number : XXXX ) Balance : {$650.00} XXXX XXXX ( Account number : XXXX ) Balance : {$260.00} XXXX XXXX XXXX  ( Account number : XXXX ) Balance : {$190.00} XXXX XXXX XXXX ( Account number : XXXX ) Balance : {$100.00} XXXX  ( Account number : XXXX ) Balance : {$9700.00} ( Repo ) These accounts were fraudulently opened and do not belong to me. As a victim of identity theft, I request the immediate removal of these accounts from my credit report as required under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 

Legal Basis for Immediate Removal : FCRA Section 605B Identity Theft Report ( ITR ) Procedures : Under FCRA Section 605B, when a consumer is a victim of identity theft, they have the right to request the removal of any fraudulent information from their credit report, including collection accounts and repossessions. In such cases, credit reporting agencies must remove fraudulent accounts within 4 business days upon receipt of a valid Identity Theft Report ( ITR ) or related documentation. This provision requires the removal of accounts from the credit report no later than 4 business days after the dispute is filed.

FCRA Section 609 ( e ) Victim of Identity Theft : Under FCRA Section 609 ( e ), as a victim of identity theft, I am entitled to a free credit report and the right to dispute any fraudulent information. Additionally, if I provide an Identity Theft Report ( ITR ) or FTC Identity Theft Report, the credit reporting agency is obligated to block fraudulent accounts from my credit report.

Identity Theft and Assumption Deterrence Act : According to the Identity Theft and Assumption Deterrence Act, I have the right to report identity theft and demand the removal of accounts opened fraudulently using my personal information. This law requires credit reporting agencies to take immediate action upon being informed of identity theft and the submission of an official report or related documentation. 

Request for Immediate Action : I request the immediate removal of the following fraudulent accounts from my TransUnion credit report : XXXX ( Account number : XXXX ) Balance : {$650.00} XXXX XXXX  ( Account number : XXXX ) Balance : {$260.00} XXXX XXXX XXXX ( Account number : XXXX ) Balance : {$190.00} XXXX XXXX XXXX ( Account number : XXXX ) Balance : {$100.00} Bridgecrest ( Account number : XXXX ) Balance : {$9700.00} ( Repo ) As these accounts are the result of identity theft, they should not be reflected on my credit report. Under the FCRA and Identity Theft laws, I am requesting the immediate removal of these items within 4 business days.

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