Consumer complaint received 2024-09-24 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:
After carefully reviewing my credit report, I have come to the difficult realization that I am a victim of identity theft. There are multiple accounts and inquiries listed that were not authorized or opened by me. As a person deeply committed to personal growth and the well-being of my family, these fraudulent entries are severely impacting my ability to provide a stable future for my loved ones. 

As the head of my household and a proud XXXX XXXX, I am acutely aware of how systemic biases and XXXX discrimination compound challenges like this, making it significantly harder to achieve financial stability and success. Despite the legal protections outlined in the Equal Credit Opportunity Act, which prohibits discrimination based on race, XXXX, and other characteristics, I still find myself at a disadvantage due to ongoing disparities and prejudices in our financial systems. These obstacles continue to hinder my ability to access fair and equitable financial opportunities. 

Furthermore, under 15 U.S. Code 1681c2, the Fair Credit Reporting Act ( FCRA ) provides specific rights to block information resulting from identity theft. According to this statute, a consumer reporting agency is required to block the reporting of any information that a consumer identifies as resulting from identity theft within 4 business days of receiving : Appropriate proof of the identity of the consumer, A copy of the identity theft report, Identification of the fraudulent information by the consumer, and A statement by the consumer that the information does not relate to any transactions conducted by them.

I respectfully request that you comply with this law and block the following unauthorized entries from my credit report within 4 business days : XXXX : Accounts : XXXX Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXX XXXX XXXX Co Account Number XXXX XXXX Balance : {$3100.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX : Accounts : XXXX XXXX, XXXX Account Number XXXX XXXX XXXX Balance : {$620.00} Date Assigned : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$1400.00} Date Assigned : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION : Accounts : XXXX Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX This fraudulent information is preventing me from achieving financial security and, more importantly, providing a quality life for my family. These accounts are not only unauthorized, but they are also contributing to the larger struggle against the systemic issues that people of XXXX  continue to face in navigating financial systems. Under the Equal Credit Opportunity Act and 15 U.S. Code 1681c2, I demand my rights be respected, and these entries be blocked and removed within 4 business days.

15 U.S. Code 1681c2 - Block of information resulting from identity theft : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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