Consumer complaint received 2024-09-09 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: SC

Complaint narrative:
I am writing to inform the CFPB of my status as a victim of XXXX XXXX and the resulting impact on my credit reports. During the time I was XXXX, fraudulent accounts were opened in my name without my consent, which severely damaged my credit. These accounts are still appearing on my credit reports, despite my efforts to have them removed through the Fair Credit Reporting Act ( FCRA ) Section 605C.

Below is a summary of the situation : 1. XXXX  Details : I was a victim of XXXX XXXX, during which time personal and financial information was misused by the XXXX  to open several credit accounts. These accounts are fraudulent, and I had no control or knowledge of their creation.

2. Credit Impact : The fraudulent accounts resulted in significant negative entries on my credit report, including charge-offs and collection accounts. These entries have severely impacted my credit score, causing difficulties in obtaining housing, credit, and employment.

3. Legal Protections : XXXX  XXXXs Protection Act ( TVPA ) : Under this federal law, victims of XXXX XXXX are provided legal protections, including the right to remove financial harm caused by their exploitation, such as fraudulent debts or accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) : This law enhances protections for XXXX  XXXX  by expanding their rights and ensuring that financial and legal consequences resulting from XXXX, such as fraudulent accounts, can be addressed. 
Fair Credit Reporting Act ( FCRA ) Section 605C : This section of the FCRA grants XXXX  XXXX  the right to request that any negative credit report entries directly resulting from XXXX  be blocked and removed. I have invoked my rights under this section to have the fraudulent accounts removed from my credit report. 
4. Attempts to Resolve : I have already submitted a XXXX  block request to the major credit reporting agencies under FCRA Section 605C, along with supporting documentation, including my drivers license, utility bill, Social Security number, and a Self-Attestation Form confirming my status as a human XXXX XXXX.

5. Request for Assistance : I am requesting the CFPBs assistance in ensuring that these fraudulent accounts are removed from my credit report and that my rights under the FCRA and other applicable laws are upheld. 

The accounts involved in this situation include, but are not limited to : XXXX XXXX XXXX XXXX - Account No : XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX  - Account No : XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX- Account No : XXXX I appreciate the CFPBs attention to this matter and hope for your assistance in resolving this issue as soon as possible.

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