Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
Subject : Dispute of Fraudulent Account XXXX XXXX Dear TransUnion Dispute Resolution Team, I am writing to formally dispute an account listed on my credit report under the name XXXX XXXX. This account is not mine and was opened fraudulently. I have thoroughly reviewed my credit report and this erroneous information is damaging my creditworthiness. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), inaccurate information on a credit report is illegal and must be corrected or removed. The FCRA mandates that credit reporting agencies maintain accurate and complete information. By reporting this fraudulent account, TransUnion is in violation of the following sections of the FCRA : 1. **Section 609 ( e ) : ** This section requires credit reporting agencies to block fraudulent information resulting from identity theft upon receipt of appropriate proof of identity, a copy of an identity theft report, and an identification of the fraudulent information. 

2. **Section 611 : ** This section provides the right to dispute inaccurate information and requires credit reporting agencies to investigate and correct or delete inaccurate or unverifiable information within 30 days. 

3. **Section 623 ( a ) ( 6 ) ( B ) : ** This section mandates that furnishers of information must promptly notify consumer reporting agencies of fraudulent activity and ensure that such information is blocked from the consumers file. 

To support my claim, I have attached the following documentation : - Federal Trade Commission ( FTC ) Identity Theft Report - State ID - Proof of Address - Social Security Card - Birth Certificate - Police Report documenting the fraudulent activity These documents unequivocally prove my identity and the fraudulent nature of the account in question. I request that you conduct a thorough investigation into this matter and promptly remove the fraudulent XXXX XXXX account from my credit report. Failure to comply with these requirements may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under the FCRA. 

Please confirm in writing that you have received this letter and provide me with a resolution timeline. I expect to be notified of the outcome of your investigation and the actions taken to rectify this issue within 30 days, as required by the FCRA. 

I appreciate your prompt attention to this urgent matter. Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX -- - **Attachments : ** 1. FTC Identity Theft Report 2. State ID 3. Proof of Address 4. Social Security Card 5. Birth Certificate 6. Police Report

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