Debt collection -- Attempts to collect debt not owed -- Complaint #11249606

Complaint Overview

Complaint ID: 11249606

Company: Transunion Intermediate Holdings, INC.

Product: Debt collection

Sub-Product: Rental debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt was result of identity theft

State: Alabama

ZIP Code: 354XX

Date Received: 2024-12-21T12:00:00-05:00

Date Sent to Company: 2024-12-21T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU TRANSUNION, XXXX, XXXX, XXXX XXXX have aided this Fraud by reporting these accounts and are ACTIVELY PARTICIPATING IN AGGRAVATED IDENTITY THEFT. XXXX states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681B2 I have not given any consumer reporting agency permission to Furnish my consumer report to another consumer reporting agency. 15 USC 1681q the consumer reporting agencies ( XXXX, TransUnion, XXXX ) obtained my consumer reports under false presences. which makes this identity theft. 18 USC 1028 A deems this as AGGRIVATED identity theft, this is due to the fact that the Consumer reporting agencies used, possessed and transferred means of identication of me without my consent. This is Identity theft. 15 USC 1681c-2 states that this information has to be blocked due to the fact that this comes from identity theft. my information has been compromised by an unknown individual and by the consumer reporting agencies. Further references Block and Remove the Following Accounts : List of Accounts : 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 - By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says ( XXXX, TRANSUNION, XXXX, XXXX XXXX ) is a furnisher of information to / and/ or a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish and/or report inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information and further/knowingly participating in Aggravated Identity Theft Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft. Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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