Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10081198
Complaint Overview
Complaint ID: 10081198
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: California
ZIP Code: 90260
Date Received: 2024-09-10T12:00:00-05:00
Date Sent to Company: 2024-09-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Identity Theft and Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to report a serious case of identity theft and credit reporting violations by your company. My personal information has been used fraudulently, resulting in unauthorized accounts being opened and reported on my credit file. This is not only a violation of the Fair Credit Reporting Act ( FCRA ), but also potentially a case of identity trafficking. According to my research, the FCRA requires credit bureaus to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. Additionally, the FCRA prohibits credit bureaus from reporting information they know or have reasonable cause to believe is inaccurate. However, your company has failed to uphold these requirements. Specifically, I have disputed the following fraudulent accounts on multiple occasions, yet they continue to appear on my credit report : XXXX XXXX XXXX XXXX, ACCT # : XXXX XXXX XXXX, ACCT # : XXXX This is a clear violation of Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) of the FCRA, which obligate you to conduct a reasonable investigation and remove inaccurate information from my credit file. Furthermore, the Uniform Commercial Code ( UCC ) and relevant case law, such as the XXXX XXXX decision in XXXX XXXX XXXX, establish that identity theft and the resulting fraudulent accounts constitute a form of " identity XXXX. '' As such, your company 's failure to properly investigate and remove these accounts makes you complicit in this criminal activity. I demand that you immediately remove the fraudulent accounts from my credit report, and provide me with a copy of my updated credit file. Failure to do so will result in further legal action. According to XXXX XXXX. Section XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. Here is a brief statement regarding data breaches related to the identity theft and credit reporting issues : In addition to the credit reporting violations, it is important to note the widespread data breaches that have exposed millions of consumers to identity theft and fraud. According to my research, the credit bureaus themselves have been the victims of several high-profile data breaches, further compromising the personal and financial information under their control. For example, in XXXX, XXXX experienced a data breach that affected over XXXX XXXX consumers, exposing sensitive data such as social security numbers, birth dates, and credit card information. This breach was a direct result of XXXX 's failure to patch a known vulnerability in their systems, demonstrating a blatant disregard for consumer data security. Similarly, in XXXX, XXXX suffered a data breach that exposed the personal information of XXXX XXXX T-Mobile customers. This breach was particularly concerning as it involved the theft of data from a credit bureau 's own systems, which are supposed to be the most secure. These data breaches, coupled with the credit reporting violations outlined in my previous letter, paint a troubling picture of the credit bureaus ' inability to properly safeguard consumer information and uphold their legal obligations. It is clear that immediate action is required to address these systemic issues and protect consumers like myself from the devastating consequences of identity theft and fraud. I urge you to take this matter seriously and provide a comprehensive response detailing the steps you will take to rectify the situation and prevent such breaches and violations from occurring in the future.
Frequently Asked Questions
What is Complaint #10081198 about?
Complaint #10081198 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-09-10T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.