Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TranUnion immediately block and permanently remove multiple fraudulent accountsspecifically : ( XXXX ) a collection account reported by XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} ; ( XXXX ) a collection by XXXX XXXX  on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$2100.00} ; ( XXXX ) another XXXX XXXX collection on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1800.00} ; ( XXXX ) a collection reported by XXXX on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX with {$4000.00} ; ( XXXX ) a collection from XXXX XXXX on XX/XX/XXXX under XXXX * * with {$1700.00} ; ( XXXX ) a XXXX  XXXX collection from XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with {$3800.00} ; ( XXXX ) a collection from XXXX dated XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with {$0.00} balance ; ( XXXX ) a XXXX collection from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  for {$21000.00} ; ( XXXX ) a collection reported by XXXX XXXX on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX  for {$13000.00} ; ( XXXX ) a collection by XXXX on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$160.00} ; and ( XXXX ) a XXXX collection on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX  XXXX were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize and which I believe are the result of identity theft and fraud. These fraudulent accounts include : ( XXXX ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$580.00}, ( XXXX ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$160.00}, ( XXXX ) an auto loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX with a balance of {$13000.00}, ( XXXX ) an auto loan account opened at XXXX on XX/XX/XXXX under account number XXXX * with a balance of {$21000.00}, ( XXXX ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, ( XXXX ) a collection account reported by XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$3800.00}, ( XXXX ) a collection account reported by XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$1700.00}, ( XXXX ) a collection account reported by XXXX opened on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$4000.00}, ( XXXX ) a collection account reported by XXXX XXXX  opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00}, ( XXXX ) a collection account reported by XXXX XXXX  opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2100.00}, and ( XXXX ) a collection account reported by XXXX XXXX  opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}. These accounts have resulted in multiple fraudulent hard inquiries, unauthorized collections, and inaccurate reporting that have negatively affected my credit file. I demand that all the aforementioned fraudulent items be permanently removed from all of my consumer credit reports and that any and all related collection activity cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 non-monetary relief