Consumer complaint received 2024-09-08 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: IA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Information from Credit Report Dear TransUnion XXXX I am writing to request your immediate action to block and remove fraudulent information from my credit report. This information, resulting from identity theft, has been verified by an FTC Identity Theft Affidavit that I have submitted. It is critical that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) and addresses this issue without delay. 

Importance of FTC Affidavit and Immediate Action : FTC Identity Theft Affidavit : I have provided an FTC Identity Theft Affidavit ( FTC Identity Theft Criminal Complaint # XXXX ) to confirm that the entries in question are the result of identity theft. This affidavit is essential for verifying the fraudulent nature of these accounts and necessitates their removal from my credit report. 

FCRA Compliance : Under the FCRA, TransUnion is required to block fraudulent information from my credit report within 4 business days of receiving an identity theft report. Please expedite this process to ensure compliance with the law and to protect my credit standing.

Legal Requirements and Urgency : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates the blocking of fraudulent information within 4 business days. Ensure that all fraudulent accounts, collections, and inquiries are removed promptly.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires that disputed information must be deleted if it can not be verified within 30 days. Please investigate and resolve these disputes urgently.

FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Ensures that unverifiable information is deleted and does not reappear on the credit report. It is crucial to prevent further impact on my credit score.

FCRA 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ) : Provides for civil liability for willful and negligent non-compliance, highlighting the importance of timely and accurate action. 

Fraudulent Entries to be Blocked : Personal Credit Card with XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXX Account Number : XXXX Personal Credit Card with XXXX Bank Opened On : XX/XX/XXXX Account Number : XXXX These fraudulent accounts have also led to several unauthorized hard inquiries and collections entries on my credit report. 

Supporting Documentation : FTC Identity Theft Affidavit : FTC Identity Theft Criminal Complaint # XXXX XXXX Credit Report : Showing the fraudulent entries, inquiries, and collections Demands for Relief : Immediate Block of Fraudulent Entries : Block all fraudulent accounts, collections, and inquiries from my credit report within XXXX business days. Given the urgency of this matter, I request that you expedite this process to uphold consumer rights and prevent further damage to my credit. 

Verification Details : If any of these accounts are verified, provide detailed verification information as required under FCRA 611 ( 15 U.S.C. 1681i ) within 30 days, including the contact information for the data furnisher.

Deletion if Verification Fails : If you are unable to verify the information, delete it from my credit report within 30 days and ensure it does not reappear, as mandated by FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Prohibition Against Reappearance : Ensure that these fraudulent entries are permanently removed and do not reappear on my credit report. 

Please send all written confirmation and documentation to my email address : XXXX. 

Thank you for your prompt attention to this matter. I trust that TransUnion will act swiftly to resolve these issues in compliance with federal law. 

Sincerely, 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