Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
Attention Trans Union Fraud Department XXXX XXXX  Account- XXXX {$60000.00} The XXXX account listed above is fraud. 
XX/XX/XXXX I discovered a fraudulent account on my credit report thats was opened on XX/XX/XXXX. After several attempts to dispute this fraudulent account with Trans Union, I was advised to contact XXXX XXXX  directly. XXXX confirmed that the personal information used to open the account, including my address, employment details, and phone number, was not mine. Additionally, they informed me that there were no payments made on the account, which further supports the fraudulent nature of this account.

I reside at XXXX XXXX XXXX in XXXX, Texas. I have been a resident of this address since XX/XX/XXXX. 
I am attaching a copy of my front and back of my drivers license that was sent to Trans Union, along with my current address, for your reference. This will enable you to contact the Department of Motor Vehicles ( DMV ) to verify the validity of my drivers license. Alternatively, if you have the necessary equipment, you can scan the back of my drivers license to confirm its validity. Please note that my drivers license was issued on XX/XX/XXXX. 
Im attaching the dispute complaint letter I filed with the Consumer Financial Protection Bureau regarding XXXX. 
Attached is a copy of my Identity Theft Complaint and Affidavit with my Identity Theft Report from the Federal Trade Commission. This was sent to XXXX, as well. 
Ive also attached my deed to my house with the same address. Please note that it was issued on XX/XX/XXXX. 
Attached is a letter from my utility company ( XXXX ) that was sent to Trans Union and XXXX, informing the date I switched services and requesting that they activate them. This serves as proof of my residence and service history. Please note the date I turned on my services, which was XX/XX/XXXX, and I am still an active customer. 
Attached is a letter from XXXX XXXX XXXX. It informed Transunion of the date I switched services and requests that they activate them. This serves as proof of my residence and service history. Please note that I turned on my services on XX/XX/XXXX, and I am still an active customer. 
Lastly, I am also sending you a notarized, ten-times-signed written letter. The purpose of this is for you to see my handwriting and confirm that the signature used to open this account does not match mine.

Due to the recent lawsuit filed against XXXX and Trans Union on XX/XX/XXXX, I am requesting that you conduct an investigation as mandated by the Fair Credit Reporting Act ( FCRA ) Law. I specifically request that you refrain from accepting the findings of XXXX who do not provide comprehensive and detailed results of their investigation. I kindly request that you provide me with these findings in exact detail via mail or my online portal.

Furthermore, I am sending you sufficient evidence to demonstrate that this account is fraudulent. Therefore, I am requesting that you promptly delete and block this account.

This is intriguing. I had assumed I was the only person Trans Union was denying accurate disputes and infringing upon my rights. I sorry that they had to take legal action for your company to finally acknowledge its errors. Nevertheless, I genuinely hope that you will enhance your investigation procedures in the future.

Respectfully, Thank you in advance. 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