Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute through CFPB to TransUnion over 30 days ago concerning three fraudulent accounts resulting from identity theft tied to multiple data breaches. I provided all required documentation under 15 U.S.C. 1681c-2, including an FTC Identity Theft Report, affidavit of Identity, ID, and SSN. 

By law, TransUnion was required to block and delete the fraudulent information within 4 business days of receiving this documentation. They have failed to do so. 

The three accounts in question include a collection, a revolving, and an installment accountall opened without my authorization. TransUnion has not provided any proof of investigation or documentation with my live signature as required under 15 U.S.C. 1681i.

This is my second dispute, and I am now demanding 48 hours less than 4 days, immediate removal of these accounts for noncompliance.

I am requesting that the CFPB intervene to ensure TransUnion complies with federal law and removes the fraudulent accounts from my credit file without further delay. 



Urgent Request for Immediate Blocking of Fraudulent Information Violation ( s ) of 15 U.S. Code 1681 and Subsections To Whom It May Concern, This is a formal THIRD notice and dispute through the CFPB pursuant to the Fair Credit Reporting Act ( FCRA ) and specifically under 15 U.S. Code 1681c-2, which mandates that fraudulent accounts be blocked from a consumers credit file when proper documentation is submitted.

My personally identifiable information has been compromised in multiple data breaches, and as a result, fraudulent accounts have been opened in my name without my knowledge or authorization. Under 15 U.S.C. 1681c-2, once a valid FTC Identity Theft Report and supporting documentation are submitted, the credit reporting agency must block the reporting of such information within four ( 4 ) business days.

I have already submitted : A valid FTC Identity Theft Report An Affidavit of Identity A copy of my government-issued ID My Social Security Number verification Despite submitting my original dispute over 30 days ago through the CFPB, these fraudulent accounts still remain on my TransUnion report : 1. Revolving Account - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is the result of identity theft and was included in my initial dispute in XX/XX/year>. Under 15 U.S.C. 1681c-2, you were required to block and delete this information from my file within 4 business days of receiving my identity theft documentation. Continuing to report this account is unlawful. No original contract with my live signature has ever been provided, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). You have also failed to provide the method of verification, name and contact information of the data furnisher, or proof of any reasonable investigationall required by 15 U.S.C. 1681i. 

2. Installment Account - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is another fraudulent tradeline tied to identity theft. No original contract with my live signature has ever been provided, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). You have also failed to provide the method of verification, name and contact information of the data furnisher, or proof of any reasonable investigationall required by 15 U.S.C. 1681i. Under 15 U.S.C. 1681c-2, you were required to block and delete this information from my file within 4 business days of receiving my identity theft documentation. Continuing to report this account is unlawful. 

3. Collection Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was opened fraudulently. I have never entered into any agreement with this company. It is reporting without my consent and has no permissible purpose under 15 U.S.C. 1681b. Reporting this account after proper documentation has been submitted is a direct violation of 15 U.S.C. 1681c-2 ( a ). 

You are now in violation of federal law for failing to remove fraudulent information after proper identity theft documentation was received. I am demanding immediate compliance with 15 U.S.C. 1681c-2 ( b ) and full removal of all 3 accounts listed above within 48 hours ( 2 ) calendar days of this notice. Failure to comply will result in escalation with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my state 's Attorney General, and possible civil action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

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