Debt collection -- Attempts to collect debt not owed -- Complaint #5005319
Complaint Overview
Complaint ID: 5005319
Company: Transunion Intermediate Holdings, INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: New Jersey
ZIP Code: 08527
Date Received: 2021-12-13T12:00:00-05:00
Date Sent to Company: 2021-12-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On or about, XX/XX/2021, all XXXX ( XXXX ) XXXX XXXX XXXX ( CRAs ) - ( XXXX, XXXX and TRANSUNION ) were given notice of a crime of identity theft. The documents included in the Notice were, an Affidavit of Identity Theft, copy of credit report, FTC Identity theft report, Police Report filed regarding the accounts indicated, and proof of my Identity. Proof of delivery via certified mail / return receipt # XXXX XXXX XXXX XXXX XXXX shows TRANSUNION, LLC. did in fact receive Notice of the identity theft, with attachments/ reports to substantiate the claim on XX/XX/2021. TRANSUNION, LLC. had the audacity to report XXXX of the accounts related to this crime, XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX as " verified '' and refused to delete/block the account even after I provided proof of the identity theft crime and accounts related. I HAVE NO AGREEMENT with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not possibly verify an account they have no first hand knowledge of. TRANSUNION, LLC. can not verify any accounts as they do not have first-hand knowledge either, nor were they a witness or a party to any alleged agreements. Both XXXX XXXX and TRANSUNION, LLC. are both unauthorized 3rd parties whom have NO authority to verify or validate any alleged debts, let alone refuse to follow the XXXX regarding the blocking of an account that is related to a crime of identity theft. The FCRA requires a CRA to block fraudulent information on my credit report resulting from identity theft within XXXX ( XXXX ) business days. TRANSUNION, LLC. is willfully, knowingly with intent refusing to remove and permanently BLOCK this fraudulent account in attempts to cause me damages. Willful refusal to remove and block is now a violation of several sections of the FCRA, specifically sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ). As a federally protected Consumer, I will hold TRANSUNION, LLC. liable for any and all civil liabilities pursuant to 15 USC 1693m and any and all criminal liabilities pursuant to 15 USC 1693n. These Violations/ Damages caused to I, the Consumer, carries damages worth of up to {$1000.00} or more each violation, in addition to having sustained damages related to physical and emotional distress. Not only has this affected me being able to Re-Finance my Mortgage but potential creditors seeing these inaccurate accounts on my report has effected me tremendously.
Frequently Asked Questions
What is Complaint #5005319 about?
Complaint #5005319 was filed against Transunion Intermediate Holdings, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-12-13T12:00:00-05:00.
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 (Debt collection) 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.