Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Inaccurate Address Removal Demand FCRA 1681e ( b ) You are reporting address ( es ) on my file that are inaccurate, outdated, or connected to accounts I did not authorize. Pursuant to FCRA 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information you report. Any unverifiable address must be immediately deleted from my credit file. 
Addresses to Remove : XXXX. Incorrect Name - XXXX XXXX XXXX XXXX. Incorrect DOB - XX/XX/year> XXXX. Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXX, SC, XXXX I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted. 
Unauthorized Inquiry Deletion Demand FCRA 604 You are reporting one or more hard inquiries on my credit file that were made without my knowledge, consent, or permissible purpose. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a report under specific, legally authorized circumstances, including written instruction or credit application. I did not authorize these inquiries and demand their immediate removal. 
Inquiries to Remove : You are required to provide proof of permissible purpose, including signed authorization, application, or service request. Failure to do so constitutes a willful violation of the FCRA and will result in further legal action. 
FCRA 605B Mandatory Blocking of Fraudulent Account Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), once I have notified you that this account is fraudulent, you are legally required to block all reporting of the account within XXXX ( XXXX ) business days. You are also required to notify the furnisherwhether the original creditor or any third-party agencythat the account has been identified as fraudulent and must no longer be reported. 
This mandate is clearly outlined under 15 U.S.C. 1681c-2 ( a ) ( 1 ) ( 3 ). Failure to comply constitutes a direct violation of federal law and exposes your agency to liability for damages under 15 U.S.C. 1681n ( FCRA 616 ) for willful noncompliance and 1681o ( FCRA 617 ) for negligent noncompliance. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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