Consumer complaint received 2024-12-22 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: AR

Complaint narrative:
I XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following personal credit accounts, personal information and inquires, these are identity theft and fraud reported negative accounts, their open dates, and inquiries : THIS SHOULD BE THE ONLY VALID INFORMATION REPORTED, ALL OTHER IS ASSOCIATED WITH IDENITY THEFT AND FRAUD Personal Information Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Employment : UNITED STATES SPECIAL AGENT ( Retired ) Addresses 1. XXXX XXXX XXXX, XXXX, AR, XXXX - Reported on XX/XX/XXXX ACCOUNTS ASSOCIATED WITH IDENITY THEFT FRAUD AND SHOULD BE DELETED WITHIN 4 BUSINESS DAYS AS THE LAW STATES : 1. XXXX  XXXX XXXX  Open Date : XX/XX/XXXX Status : Closed Balance : {$620.00} Payment History : 33 % on time 2. XXXX  XXXX Open Date : XX/XX/XXXX Status : Open Balance : {$920.00} Payment History : 67 % on time 3. XXXX ( Collection ) Open Date : XX/XX/XXXX Status : Closed Balance : {$3600.00} Current Rating : Collection/Charge-off 4. XXXX XXXX ( Collection ) ** Open Date : ** XX/XX/XXXX Status : Open Balance : {$2900.00} Current Rating : Collection/Charge-off 5. XXXX Open Date : XX/XX/XXXX Status : Closed Balance : {$8.00}, XXXX Current Rating : Repossession 6. XXXX Reported : XX/XX/XXXX {$3600.00} Outstanding Payment history No history is available Monthly payment amount {$0.00} Term source type Current rating Collection/Charge-off Account details Account number XXXX Date opened XX/XX/XXXX Last activity XX/XX/XXXX Original creditor Status Closed Type Individual High balance {$3600.00} Unpaid balance {$3600.00} Highest adverse rating Collection/Charge-off Most recent adverse rating Collection/Charge-off Comments Account Information Disputed By Consumer Collection agency XXXX XXXX. XXXX XXXX Reported : XX/XX/XXXX {$2900.00} Outstanding Payment history No history is available Monthly payment amount {$0.00} Term source type Current rating Collection/Charge-off Account details Account number XXXX Date opened XX/XX/XXXX Last activity XX/XX/XXXX Original creditor 11 XXXX XXXX Status Open Type Individual High balance {$2900.00} Unpaid balance {$2900.00} Highest adverse rating Collection/Charge-off Most recent adverse rating Collection/Charge-off Comments Placed For Collection Collection agency XXXX XXXX  XXXX. XXXX Reported : XX/XX/XXXX {$2100.00} Outstanding Payment history No history is available Monthly payment amount {$0.00} Term source type Current rating Collection/Charge-off Account details Account number XXXX Date opened XX/XX/XXXX Last activity XX/XX/XXXX Original creditor Status Closed Type Individual High balance {$2100.00} Unpaid balance {$2100.00} Highest adverse rating Collection/Charge-off Most recent adverse rating Collection/Charge-off Comments Account Information Disputed By Consumer Collection agency XXXX XXXX. XXXX XXXX  Reported : XX/XX/XXXX {$1100.00} Outstanding Payment history No history is available Monthly payment amount {$0.00} Term source type Current rating Collection/Charge-off Account details Account number XXXX Date opened XX/XX/XXXX Last activity XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX Status Open Type Individual High balance {$1100.00} Unpaid balance {$1100.00} Highest adverse rating Collection/Charge-off Most recent adverse rating Collection/Charge-off Comments Placed For Collection Collection agency XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$800.00} Outstanding Payment history No history is available Monthly payment amount {$0.00} Term source type Current rating Collection/Charge-off Account details Account number XXXX Date opened XX/XX/XXXX XXXX activity XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX Status Open Type Individual High balance {$800.00} Unpaid balance {$800.00} Highest adverse rating Collection/Charge-off Most recent adverse rating Collection/Charge-off Comments Dispute Resolved - Subscriber Disagrees Collection agency XXXX XXXX. XXXX Reported : XX/XX/XXXX {$710.00} Outstanding Payment history No history is available Monthly payment amount {$710.00} Term source type Calculated Current rating Collection/Charge-off Account details Account number XXXX Date opened XX/XX/XXXX Last activity XX/XX/XXXX Original creditor XXXX XXXX XXXX Status Open Type Individual High balance {$710.00} Unpaid balance {$710.00} Highest adverse rating Collection/Charge-off Most recent adverse rating Collection/Charge-off Comments Dispute Resolved Reported By XXXX XXXX XXXX XXXX Hard Inquiries ( Last 2 Years ) XXXX XXXX  Finance XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XXXX And Public Record XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX MO XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX  Finance XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Banking XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX  Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Banking XX/XX/XXXX XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous And Public XXXX XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX Utilities And Fuel XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  Automotive XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XXXX  Automotive XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXXXXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX  Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX Automotive XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Sporting Goods XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX  Miscellaneous And XXXX XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX  Miscellaneous And Public Record XX/XX/XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX  Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Banking XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Miscellaneous And Public Record XXXX XXXX, XXXX XXXX Department And Mail XXXX XXXX XXXX, XXXX XXXX XXXX  Finance XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Banking XXXX XXXX, XXXX XXXX Banking XXXX XXXX, XXXXXXXX XXXX XXXX Sporting Goods XXXX XXXX, XXXX XXXX Miscellaneous And Public Record XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Banking XXXX XXXX, XXXX XXXX XXXX Sporting Goods XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous And Public Record XXXX XXXX, XXXX XXXX XXXX  Miscellaneous And Public Record XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX, XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Banking XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banking XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX  Miscellaneous And Public Record XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Banking XX/XX/XXXX XXXXXXXX XXXX XXXX  Finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX XXXX Department And Mail XXXX XX/XX/XXXX XXXX Banking XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of three FTC Identity Theft Criminal Complaints as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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