Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
AFFIDAVIT OF IDENTITY THEFT I, XXXX XXXX, being duly sworn, deposes and states : 1. Personal Information a. Full Name : XXXX XXXX b. Date of Birth : XX/XX/XXXX c. Social Security Number : XXXX d. Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Texas XXXX 2. Purpose of Affidavit I am submitting this affidavit to challenge the presence of fraudulent accounts and addresses listed on my credit report with TransUnion, XXXX, and XXXX. These fraudulent accounts and addresses have caused significant harm to my credit and financial standing. 
3. Request for Removal I request the immediate removal of the following fraudulent addresses and accounts from my credit reports, as they do not belong to me and were opened without my authorization. 
4. Fraudulent Addresses to be Removed : a. XXXX XXXX XXXX, XXXX XXXX, TX XXXX b. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 5. Fraudulent Accounts to be Removed : The following accounts were opened without my consent and should be removed immediately : a. XXXX ( XXXX ), Opened : XX/XX/XXXX, Collection, {$510.00} b. XXXX ( XXXX ), Opened : XX/XX/XXXX, Charge Account c. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Collection d. XXXX ( Original Creditor : XXXX XXXX XXXX ) [ XXXX ], Opened : XX/XX/XXXX, Collection eXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) [ XXXX  ], Opened : XX/XX/XXXX, Collection f. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) [ XXXX ], Opened : XX/XX/XXXX, Collection, {$510.00} g. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) [ XXXX  ], Opened : XX/XX/XXXX, Collection h. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) [ XXXX ], Opened : XX/XX/XXXX, Collections, {$710.00} i. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) [ XXXX ], Opened : XX/XX/XXXX, Collection, {$210.00} j. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) [ XXXX ], Opened : XX/XX/XXXX, {$340.00}, Collection k. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Collection, {$340.00} l. XXXX ( XXXX ), Opened : XX/XX/XXXX, Collection, {$710.00} m. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX 6. Fraudulent Inquiries to be Removed : The following unauthorized inquiries must be removed from my credit report : a. XXXX, Date : XX/XX/XXXX 7. Legal Grounds for Request I am requesting the removal of the aforementioned items in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically : - Section 602A : I have the right to privacy regarding my credit information.

- Section 604A ( 2 ) : A consumer reporting agency can not provide a report without my written consent.

- Section 1681c ( a ) ( 5 ) : No consumer reporting agency may include any information about accounts or items that are more than seven years old, other than criminal convictions. 
- Section 1681s-2 ( a ) ( 1 ) : Information relating to me can not be furnished to a reporting agency if it is known to be inaccurate.

8. Failure to Comply If the above accounts and inquiries are not removed or satisfactorily verified within 30 days of receipt of this affidavit, I will be compelled to take further legal action, including filing a small claims lawsuit against the responsible parties. I expect a written response within the statutory 30-day period. I declare under penalty of perjury that the foregoing is true and correct. 
Executed on this XXXX day of XXXX, XXXX, at XXXX XXXX, Texas

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