Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Fraudulent Accounts Reporting on My TransUnion Credit Report To Whom It May Concern, This letter serves as my formal dispute and demand for immediate deletion of the following fraudulent accounts currently appearing on my TransUnion credit report. I have never applied for, opened, or authorized any accounts with the companies listed below. 
Accounts in Dispute : XXXX Card Balance : {$6200.00} XXXX XXXXXXXX Balance : {$3800.00} These accounts are not mine, and I have never conducted any business with these institutions. I recently discovered that my personal information was compromised in multiple major breaches specifically, the XXXX XXXX XXXX XXXX, the XXXX Data Breach, and the TransUnion XXXX XXXX. It is clear that my information has been used fraudulently without my authorization. 
Your continued reporting of these false accounts is a direct violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

Applicable Legal Provisions FCRA 602 ( A ) Requires fair and accurate reporting ; false and unverifiable data violates this standard.

FCRA 604 ( a ) Credit information can only be furnished for permissibl
e purposes, which do not apply here since I did not authorize these accounts.

FCRA 611 ( a ) Mandates a reasonable reinvestigation of disputed information and deletion of unverifiable data within 30 days.

FCRA 623 ( a ) ( 3 ) Prohibits furnishers from reporting information they know or should know is inaccurate.

FACTA 605B ( 15 U.S.C. 1681c-2 ) Requires credit bureaus to block and permanently delete any information that is the result of identity theft once proof has been provided. 
Given that the federal government shutdown has caused delays in the operations of agencies such as the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), I am requesting that TransUnion act expeditiously and independently to resolve this dispute in good faith. Consumers should not suffer harm during this period of governmental delay especially when a credit bureau has already failed to protect their private information from breach and exposure.

I am therefore demanding the immediate and permanent deletion of both fraudulent accounts listed above from my TransUnion credit file. This information is unverifiable and unauthorized, and under FCRA 611 ( a ) ( 5 ) ( B ), once deleted, may not be reinserted without complete verification and written notice to me within five business days.

Please provide written confirmation that both accounts have been deleted and blocked from reinsertion. Failure to comply within the statutory time frame will result in formal complaints filed with the CFPB, FTC, and my State Attorney Generals Office for enforcement action and potential civil penalties. 
Sincerely, XXXX XXXX XXXX

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