Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
XX/XX/ To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding TransUnions Refusal to Comply with FCRA & Identity Theft Laws Dear CFPB, I am writing to file a formal complaint against TransUnion, specifically regarding the conduct of an employee named XXXX XXXX, who works within their Special Handling Department. His handling of my identity theft-related disputes demonstrates willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and has caused me continued harm and distress as a long-time victim of identity theft. 

XXXX XXXX explicitly stated to me that he refuses to remove a false U.S. Bankruptcy from my TransUnion credit report. It is important to emphasize that TransUnion is the only credit bureau reporting this erroneous bankruptcy. I have submitted all required documentation under 15 U.S.C. 1681c-2, including : An official Identity Theft Police Report My FTC Identity Theft Affidavit Government-issued ID and Social Security Card A recent utility bill for identity verification A XXXX letter and public records report confirming no bankruptcy exists in my public record TransUnion, as confirmed by multiple TransUnion representatives, uses XXXX to verify public record information. Despite XXXX confirming that there is no bankruptcy associated with my name or SSN, XXXX XXXX claims that because the item was once " validated '' in the past, they will not remove or investigate it further. This is a direct violation of : 15 U.S.C. 1681i ( a ) requiring reinvestigation of disputed information 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy 15 U.S.C. 1681b permissible purpose ; no outdated or unverifiable data should be furnished 15 U.S.C. 1681c-2 mandates blocking of identity theft-related information when sufficient documentation is provided 15 U.S.C. 1681n & 1681o imposes liability for willful and negligent noncompliance 18 U.S.C. 1028A criminal liability for misuse of another person 's identity Additionally, XXXX XXXX has refused to delete a fraudulent collection account from XXXX XXXX XXXX XXXX XXXX {$8000.00}, despite me submitting all legally required documentation. He said because the debt was " once validated, '' it will remain, disregarding the fact that Ive provided proof it was a result of identity theft. His statement that by law, he will not remove anything from my filedespite the clear legal obligations TransUnion has under the FCRAis not only inaccurate, but I consider it a threatening and intimidating remark, especially toward someone who has been battling ID theft for over 15 years. 
This kind of response is unacceptable and shows blatant disregard for federal law and consumer rights. XXXX XXXX XXXX conduct is unethical, hostile, and fails to uphold the obligations TransUnion has under the FCRA. It is extremely concerning that someone in a position to handle sensitive consumer disputes is refusing to comply with clear legal standards. 
I am requesting the CFPB to immediately intervene and investigate : TransUnions failure to block the fraudulent bankruptcy and collection account, despite receiving valid identity theft documentation as outlined in 15 U.S.C. 1681c-2.

The conduct of XXXX XXXX XXXX, whose statements and refusal to act lawfully contradict the rights afforded to me under federal law.

If this matter is not resolved appropriately, I will seek relief through legal action under FCRA 1681n and 1681o, and submit additional complaints to the Federal Trade Commission ( FTC ) and state attorneys general.

Thank you for your attention to this serious matter. I look forward to your response and investigation into TransUnions mishandling of this dispute and violation of federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX

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 explanation