Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10879138
Complaint Overview
Complaint ID: 10879138
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: Texas
ZIP Code: 770XX
Date Received: 2024-11-19T12:00:00-05:00
Date Sent to Company: 2024-11-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *RE : XXXX : -- XXXX Immediate Action Required : Fraudulent Accounts & Inquiries Resulting from Identity Theft To Whom It May Concern, This letter serves as an urgent demand for the immediate removal of fraudulent accounts and inquiries that have been unlawfully reported on my credit file due to identity theft. Your failure to verify this fraudulent activity in compliance with the Fair Credit Reporting Act ( FCRA ) and federal law has resulted in a violation of my rights as a consumer. As per 15 USC 1681b ( c ), consumer reporting agencies are prohibited from reporting any transactions or inquiries that were not initiated by me. I am notifying you that these inquiries and accounts were not authorized by me and must be deleted immediately. This is not merely a request it is a legal obligation under federal law, and your failure to act promptly will expose your agency to further legal consequences. List of Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( These inquiries were made without my authorization and must be removed immediately. ) Under 18 U.S.C. 1028A, identity theft is a federal crime, and those who knowingly use another persons identity face severe legal penalties, including up to two years of imprisonment. I am placing you on formal notice that my identity has been stolen, and these accounts were opened without my consent. Legal Demand for Action : In accordance with 15 USC 1681c2, you are required to block all fraudulent information from my credit report within 4 business days of receiving : Proof of my identity ( enclosed ). A copy of my FTC Identity Theft Report ( enclosed ). Identification of the fraudulent accounts ( listed above ). A signed statement confirming that these accounts and inquiries are not related to any legitimate transactions made by me. Your failure to comply will be a direct violation of 15 USC 1681b and other provisions of the Fair Credit Reporting Act. You are legally obligated to correct this information without delay, or I will pursue further legal actions to enforce my rights. Furthermore, under 15 USC 1681c-1 ( 2 ), I am also entitled to receive a free updated copy of my credit report reflecting these corrections. Notice of Intent to Escalate : Should this issue not be resolved promptly, I will be copying the following agencies on this correspondence : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX ) The Attorney Generals Offices in both your state and mine I expect a written response confirming the immediate deletion of these fraudulent accounts and inquiries. This issue must be resolved within the legal timeframe of 4 business days, or I will escalate the matter through the proper legal channels. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX Enclosures : Copy of Identification ( ID ) Utility Bill ( Proof of Address ) Copy of Social Security Card FTC Identity Theft Report
Frequently Asked Questions
What is Complaint #10879138 about?
Complaint #10879138 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 2024-11-19T12:00:00-05:00.
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.