Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion, I am writing to formally dispute the inaccurate and fraudulent XXXX XXXX XXXX collection account ( Account Number : XXXX ), with XXXX XXXX  as the original creditor, listed on my TransUnion credit report. This account was opened and placed in collections due to identity theft, and I did not authorize or incur this debt. This is my third and final attempt to have this fraudulent account removed from my credit report. TransUnions failure to correct this error has caused significant harm, including the denial of a housing application on XX/XX/XXXX, which led to financial losses from temporary hotel stays, homelessness, and additional debt. I demand immediate investigation and removal of this account under the Fair Credit Reporting Act ( FCRA ), or I will pursue legal action for damages. 
The XXXX XXXX XXXX collection account, tied to an alleged debt with XXXX XXXX, resulted from identity theft. I did not apply for, authorize, or benefit from this account. The presence of this fraudulent account on my credit report has caused severe financial and personal harm, including : Denial of a housing application on XX/XX/XXXX, which prevented me from securing a home. 
Financial losses from temporary hotel stays, costing approximately XXXX. 
Homelessness, exacerbating emotional distress and financial instability. 
Additional debt incurred to cover living expenses due to the housing denial. 
These damages are directly attributable to XXXX failure to remove this fraudulent account, despite my prior disputes. 
Under the FCRA, specifically 15 U.S.C. 1681c-2, credit reporting agencies must block information resulting from identity theft within four business days of receiving a consumers dispute, provided supporting documentation is included. I have enclosed a copy of my police report and other supporting documents to substantiate that this account is fraudulent. 
Additionally, the following case law supports the immediate removal of fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court ruled that XXXX  violated the FCRA by failing to remove a fraudulent account after a consumers dispute, affirming the obligation to conduct a reasonable investigation and delete inaccurate information. 
XXXX XXXXXXXX Trans Union XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe court held that credit bureaus must follow reasonable procedures to ensure the accuracy of credit reports, and failure to remove unverifiable or fraudulent information violates the FCRA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : The court awarded damages to a plaintiff for XXXX failure to remove XXXX fraudulent account, emphasizing that credit reporting agencies are liable for actual damages caused by inaccurate reporting, such as credit denials and emotional distress. 
This is my third dispute regarding this fraudulent account. Previously on XXXX XXXX ( which was removed ONCE! ) TransUnions failure to remove this account after my prior disputes violates 15 U.S.C. 1681i, which requires a reasonable investigation within 30 days. The continued presence of this account has caused tangible harm, including the housing denial and resulting financial losses. I reserve the right to seek damages for these violations, including statutory damages up to {$1000.00} per violation under 15 U.S.C. 1681n, as well as actual damages for credit denials, financial losses, and emotional distress caused by homelessness.

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