Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law XXXX, XXXX VI, Section XXXX ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX. Account Name : Capital XXXX Auto : Account Number : XXXX : Balance : {$27000.00} : Opened : XX/XX/XXXX XXXX. Account : XXXX XXXX Account XXXX : XXXX : Balance : {$3200.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$4500.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$2400.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX : Balance : {$1600.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX : Balance : {$2600.00} : Opened : XX/XX/XXXX XXXX. Account Name : Upstart INC- Account Number : XXXX : Balance : {$6000.00} Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX  Account Number : XXXX : Balance : {$3600.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX : Balance : {$440.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$380.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$1300.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$110.00} : Opened : XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.

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