Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX, TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for reporting accounts that were fraudulently opened in my name. Despite my extensive efforts to resolve this issue, these accounts remain on my credit files and have significantly negatively impacted my creditworthiness. 

Below are the details of my complaint : Company : XXXX XXXX : Reporting fraudulent accounts. 

Documentation Provided : Police Report, FTC ID Theft Report, ID Affidavit, Fraudulent Victim Statement. 

Impact : Negative impact on my credit score and creditworthiness.

Company : TransUnion Issue : Reporting fraudulent accounts.

Documentation Provided : Police Report, FTC ID Theft Report, ID Affidavit, Fraudulent Victim Statement.

Impact : Negative impact on my credit score and creditworthiness.

Company : Experian Issue : Reporting fraudulent accounts.

Documentation Provided : Police Report, FTC ID Theft Report, ID Affidavit, Fraudulent Victim Statement.

Impact : Negative impact on my credit score and creditworthiness. 

Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Issue : Reporting fraudulent accounts. 

Opened XXXX XXXX, XXXX Reported : XXXX XXXX, XXXX Documentation Provided : Police Report, FTC ID Theft Report, ID Affidavit, Fraudulent Victim Statement. 

Impact : Negative impact on my credit score and creditworthiness. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Issue : Reporting fraudulent accounts. 

Documentation Provided : Police Report, FTC ID Theft Report, ID Affidavit, Fraudulent Victim Statement.

Impact : Negative impact on my credit score and creditworthiness. 

Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone Number : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Issue : Reporting fraudulent accounts. 

Documentation Provided : Police Report, FTC ID Theft Report, ID Affidavit, Fraudulent Victim Statement. 

Impact : Negative impact on my credit score and creditworthiness. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Address : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Phone Number : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Issue : Reporting fraudulent accounts. 

Documentation Provided : Police Report, FTC ID Theft Report, ID Affidavit, Fraudulent Victim Statement. 

Impact : Negative impact on my credit score and creditworthiness. 

Company : XXXX XXXXXXXX XXXX  Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : ( XXXX ) XXXX Issue : Reporting fraudulent accounts. 

Opened XXXX. XXXX, XXXX Reported : XXXX XXXX, XXXX Documentation Provided : Police Report, FTC ID Theft Report, ID Affidavit, Fraudulent Victim Statement. 

Impact : Negative impact on my credit score and creditworthiness.

Despite providing all requested documentation, including police reports, FTC ID Theft Reports, ID affidavits, and fraudulent victim statements, the fraudulent accounts have not been removed from my credit files. This has caused me significant financial distress and has unjustly impacted my ability to obtain credit.

I am seeking the removal of these fraudulent accounts from my credit reports by XXXX, TransUnion, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also request a full investigation into this matter to ensure that such issues are resolved promptly and to prevent further harm to my credit standing. 

I appreciate your assistance in this matter and look forward to a swift resolution. Please contact me if you require any additional information or documentation. 

Thank you for your attention to this serious issue. 

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