Consumer complaint received 2024-08-20 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: DE

Complaint narrative:
I discovered several fraudulent medical debt collections on my TransUnion credit report, which I did not recognize or authorize. These debts were the result of identity theft, as confirmed by the FTC Identity Theft Reports I provided to all three major credit bureaus, including TransUnion, on [ insert date ]. 

Both XXXX and XXXX promptly reviewed the FTC reports and determined that the medical debts were indeed fraudulent. They took the necessary action to remove these debts from my credit reports. However, despite providing the same documentation and evidence to TransUnion, they continue to report these debts as " verified. '' I have made multiple attempts to contact the debt collectors associated with these fraudulent claims, requesting verification of the original creditor 's identity, proof of my identity related to these debts, and an itemized bill. Unfortunately, I have received no response or call back from these collectors. 

It is important to note that I have never lived anywhere near the locations connected to these claims. The alleged services, such as ambulance or fire company assistance, would have required XXXX XXXX of over XXXX XXXX, which is unreasonable and further supports the fraudulent nature of these debts. 

XXXX failure to remove these fraudulent debts from my credit report is causing ongoing harm to my financial standing and personal well-being. 

Dates, Amounts, and Actions : XXXX. Dates : Fraudulent debts identified on XX/XX/XXXX and continued through XX/XX/XXXX, FTC reports and documentation submitted to TransUnion on XX/XX/XXXX and original fraud alert placed in XXXX. 

XXXX. Amounts : Total amounts of fraudulent medical debt in collection over {$9300.00} XXXX. Actions Taken : Provided FTC Identity Theft Reports and supporting documentation to TransUnion ; contacted debt collectors requesting verification, but received no response. XXXX and XXXX removed the fraudulent debts, but TransUnion has not and claims " Verified as Accurate ''. 

I am seeking the removal of these fraudulent debts from my TransUnion credit report, as they were removed by the other credit bureaus. The original creditor is over XXXX XXXX  away from where I have ever resided and XXXX XXXX  states over XXXX XXXX XXXXXXXX way. It states " XXXX XXXX '' so I would logically not be able to dispute this as I would be deceased if an outside state requested a XXXX XXXX that was over XXXX hours away. 

I requested Itemized Bills and Proof that the person who did/if they did collect those debts for proof of identity and received nothing from anyone including Transunion. XXXX and XXXX though could not verify the debt and both removed everything. 

I can provide any additional information required as well. 

Thank you again to the CFPB with everything you are doing to help people like myself try to get out of abusive situations but unable to due to identity theft and no one else willing to offer help.

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