Consumer complaint received 2026-06-23 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: AZ

Complaint narrative:
* * To : * * Experian Information Solutions , Inc . Equifax Information Services LLC TransUnion LLC * * CC : * * Consumer Financial Protection Bureau ( CFPB ) * * RE : * * Formal Dispute of Fraudulent Accounts Demand for Immediate Deletion, Full Validation, and Compliance with the Fair Credit Reporting Act To Whom It May Concern : This letter serves as my formal notice of dispute regarding the following accounts that are currently reporting on my Experian , Equifax, and TransUnion consumer credit reports : XXXX {$0.00} XXXX {$400.00} XXXX XXXX {$250.00} XXXX XXXX {$61.00} XXXX XXXX {$410.00} I have never applied for, opened, authorized, possessed, used, or benefited from any account with the above-listed companies. These accounts are fraudulent, inaccurate, and do not belong to me. I dispute the accuracy, completeness, ownership, and legal reporting of each account in its entirety. Under the Fair Credit Reporting Act ( " FCRA '' ), you are required to maintain maximum possible accuracy of the information contained in consumer reports pursuant to * * 15 U.S.C. 1681e ( b ) * *. Furthermore, upon receipt of a dispute, you are required under * * 15 U.S.C. 1681i * * to conduct a reasonable reinvestigationnot merely rely upon automated verification or repeat information supplied by the furnisher. Additionally, pursuant to the Fair and Accurate Credit Transactions Act ( FACTA ), including * * 15 U.S.C. 1681c-2 * *, credit reporting agencies are required to block information resulting from identity theft once appropriate notice is received. I further invoke my rights under : 15 U.S.C. 1681g Full File Disclosure 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) Permissible Purpose Requirements 15 U.S.C. 1681n & 1681o Civil Liability for Willful and Negligent Noncompliance 15 U.S.C. 1692e, 1692f & 1692g ( FDCPA ) regarding false representations, unfair collection practices, and validation requirements where applicable. Accordingly, I demand that each credit bureau provide competent documentary evidence establishing the legal basis for reporting these accounts, including but not limited to : The original signed application or contract bearing my signature. Complete account opening documentation. Proof of my authorization. Documentation establishing permissible purpose under 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). The complete Method of Verification ( MOV ) used during your investigation. The name, address, and telephone number of every furnisher relied upon. The date the information was furnished. Every document relied upon to verify the accuracy of these accounts. Any electronic records, audit trail, IP logs, or authentication records supporting that I opened or used these accounts. Copies of any documents demonstrating your legal authority to continue reporting these accounts. If you can not produce competent documentary evidence establishing that these accounts belong to me, then continued reporting constitutes inaccurate and unverified information in violation of federal law. Please be advised that merely responding that the creditor " verified '' the account through an electronic system does not satisfy your obligations under the FCRA. A reasonable reinvestigation requires more than simply parroting information received from a data furnisher. Failure to conduct a reasonable investigation, failure to maintain maximum possible accuracy, failure to verify the disputed information, or continued reporting of inaccurate information may constitute violations of the FCRA and subject the responsible parties to civil liability. Therefore, I demand that Experian , Equifax, and TransUnion : 1. Conduct a lawful and reasonable reinvestigation of each disputed account. 2. Provide all documentary evidence supporting your continued reporting of these accounts. 3. Permanently delete each account if you can not fully verify it with competent evidence. 4. Send me written confirmation that the deletions have been completed. 5. Ensure these fraudulent accounts are not reinserted except in full compliance with 15 U.S.C. 1681i ( a ) ( 5 ). I reserve all rights and remedies available under federal and state law, including the right to file additional complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, my State Attorney General, and to pursue all available legal remedies for any willful or negligent violations of the Fair Credit Reporting Act or other applicable consumer protection laws. I expect your complete written response within the time required by federal law. Sincerely, -- - 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