Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am filing this complaint because my TransUnion credit report still contains inaccurate and fraudulent information despite a previous complaint ( CFPB Complaint Number : XXXX ). Upon reviewing my most recent TransUnion credit report, dated XX/XX/XXXX, I have discovered that certain accounts I previously disputed as fraudulent have not been removed or adequately investigated. I have an Identity Theft Report from the Federal Trade Commission ( FTC Report Number : XXXX ) which supports my claim that these accounts were opened without my knowledge or authorization. 

The fraudulent items still persisting on my TransUnion credit report include : XXXX XXXX XXXX XXXX XXXX XXXX : This account, with a balance of {$20000.00} and opened on XX/XX/XXXX, shows XXXX instances of XXXX late payments. My FTC Identity Theft Report states that my identity has been used without my consent to obtain goods or services. Furthermore, my XXXX report, dated XX/XX/XXXX, includes an identity fraud victim alert stating that fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services, and not to extend credit without first contacting me personally. While XXXX XXXX  is not explicitly listed in my FTC report, the presence of multiple fraudulent accounts and this XXXX fraud alert on my XXXX report suggest that this account may also be a result of fraudulent activities. Given the pattern of fraud and the extended identity theft victim alert, I request a thorough investigation into the opening and activity of this account. 

XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX ) : This account, opened on XX/XX/XXXX, is listed as closed but shows XXXX late payments ( XXXX, XXXX, and XXXX days late ). My FTC Identity Theft Report explicitly identifies this as a " XXXX XXXX  XXXX  by the Thief '' and states it was opened without my authorization, with the fraud beginning in XX/XX/XXXX and discovered in XX/XX/XXXX. TransUnion stated in a previous CFPB complaint that the " XXXX XXXX XXXX '' account was not on my TransUnion credit report. However, my XX/XX/XXXX TransUnion credit report clearly shows it. This demonstrates that the information has either not been removed or has incorrectly reappeared. 

XXXX ( XXXX XXXX ) : This account ( XXXX ), XXXX on XX/XX/XXXX and XXXX  shows an excellent payment history. However, my FTC Identity Theft Report identifies this as a " XXXX XXXX XXXX by the Thief '' and states it was opened without my authorization, with the fraud beginning in XX/XX/XXXX and discovered in XX/XX/XXXX. TransUnion stated in a previous CFPB complaint that the " XXXX XXXX '' account was not on my TransUnion credit report. However, my XX/XX/XXXX TransUnion credit report clearly shows it. This demonstrates that the information has either not been removed or has incorrectly reappeared. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX ) : This account, XXXX  on XX/XX/XXXX, shows a balance of {$970.00} and is listed as XXXX  with an excellent payment history. Although it appears to have an excellent payment history on the TransUnion report, my FTC Identity Theft Report states that a " XXXX XXXX XXXX '' account was XXXX without my authorization. Given the presence of another XXXX XXXX XXXX account that was XXXX fraudulently and the identity fraud alert, I request a thorough investigation to confirm if this account is also a result of fraudulent activities or if it is a variation of the fraudulent account. 

Under Florida law, specifically Florida XXXX XXXX, victims of identity theft are entitled to have fraudulent accounts removed from their credit reports. The persistence of these fraudulent accounts on my TransUnion report after my initial CFPB complaint is unacceptable and in violation of my rights as an identity theft victim.

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