Consumer complaint received 2024-11-29 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX ( " Plaintiff '' ), am writing to you regarding the following disputed transactions on my account that were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reason for these unauthorized transactions is due to a series of data breaches that have compromised my personal and financial information. 
In XX/XX/XXXX and XX/XX/XXXX, Plaintiff was working with a mortgage broker from XXXX, and during this time, XXXX experienced a data breach. 
This breach exposed sensitive information such as bank account numbers, debit/credit card numbers, personal identification data, and login credentials for various accounts.

The breach was not reported to the public until XX/XX/XXXX, leaving Plaintiff 's information vulnerable for several times. As a result of this data breach, Plaintiff no longer felt his information was safe and withdrew his mortgage
application with XXXX. 
However, on XX/XX/XXXX, Plaintiff was notified that he was being sued by XXXX for an alleged credit card debt of {$710.00}.

Plaintiff was able to prove that he was in another state during the time the transactions were made, and the case was closed on XX/XX/XXXX. 
Plaintiff then countersued XXXX for not properly investigating the debt.

Plaintiff has expressed his concerns to XXXX XXXX multiple times, informing them that he has not been negligent with his bank card or account, but rather, it was the negligence of XXXX and other companies that failed to notify their customers and provide a resolution. 
Attached to this letter are copies of the lawsuit filed against Plaintiff by XXXX, as well as the fraud report from XXXX. 
Furthermore, on XX/XX/XXXX, Plaintiff received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that an incident took place on XX/XX/XXXX, where unauthorized personnel accessed their " private and secure '' personal and sensitive information, including name, address, date of birth, Social Security number, driver 's license number, and other sensitive data.

Plaintiff does not have any account or relationship with XXXX, and it has been confirmed that XXXX received Plaintiff 's information from the previous data breach at XXXX. 
As a result of these multiple data breaches, Plaintiff 's identity has been compromised several times, and he is now in an uncontrollable situation.

Plaintiff has diligently attempted to resolve this matter with XXXX XXXX, but the responsibility lies with the financial institutions that failed to protect his sensitive information. 
Plaintiff requests that XXXX XXXX immediately investigate this matter and take appropriate action to address the unauthorized transactions on his account. 
The plaintiff should not be held responsible for these fraudulent activities, as they are the direct result of the negligence of XXXX and other financial institutions. 
Please respond to these letters within 3 business days from the day of fax delivery to confirm the steps you will take to resolve this issue.

Failure to do so will leave Plaintiff with no choice but to pursue legal action with an inconvenient fee of {$5000.00}.

Sincerely, XXXX XXXX XXXX Primary address : XXXX XXXX XXXX XXXX NJ XXXX Secondary Address : XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX Dear XXXX XXXX XXXX XXXX, This letter serves as XXXX XXXX XXXX XXXX XXXX  ( " Plaintiff '' ) final attempt to resolve the issues with his account before taking legal action. 

On XX/XX/XXXX, Plaintiff transferred {$200.00} from his checking account to his savings account to pay off his credit card bill.

However, minutes later, the {$200.00} was transferred back out of his savings account.

When Plaintiff contacted XXXX XXXX to inquire about this, he was told the money was taken to settle a previous balance. 
Plaintiff explained to XXXX XXXX that the disputed transactions were not made by him and were the result of fraud on his account. 
However, XXXX XXXXXXXX XXXX only response was that Plaintiff could either pay the balance or file another claim.

Plaintiff has diligently ensured his credit card payment would be made on time and in full, which would have helped improve his debt-to-income ratio and credit score. 
It is now XXXX XXXXXXXX XXXX responsibility to ensure that no late payment fees or indications are applied to Plaintiff 's credit report as a result of this incident.

If a late payment or any other negative item appears on Plaintiff 's credit report, or if his account does not show a {$0.00} balance by the time XXXX XXXX reports to the credit bureaus, Plaintiff will issue a " redirecting fee '' of {$15000.00} to XXXX XXXX. 
This will be followed by a civil lawsuit seeking {$4000.00}, which includes court costs, legal fees, and any applicable taxes.

Plaintiff demands that XXXX XXXX immediately refund the {$200.00} to his savings account and take all necessary steps to prevent any late payments or negative items from being reported on his credit.

Plaintiff has been diligent in addressing this issue, and the responsibility now lies with XXXX XXXX to resolve this matter to his satisfaction. 
Please respond to this letter within 3 business days from the day of delivery via certified mail ( Certified mail number : XXXX XXXX XXXX XXXX XXXX XXXX ) to confirm that the {$200.00} has been returned to Plaintiff 's account and that no late payments or negative items will be reported.

Failure to do so will result in the actions described above.

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