Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
Subject : Failure to Conduct Reasonable Reinvestigation and Block Fraudulent Accounts FCRA 605B, 609, 611, 623 Violations Summary of the Complaint On XX/XX/year>, I submitted a formal written dispute and deletion demand to TransUnion regarding multiple inaccurate and fraudulent entries appearing on my consumer credit report. 
Despite providing supporting evidence, including a 605B identity theft affidavit, proof of address ( DTE billing statement ), and a Limited Power of Attorney authorizing XXXX XXXX XXXX to act on my behalf, TransUnion has failed to properly investigate or remove the accounts in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Violation Failure to Conduct Reasonable Reinvestigation ( FCRA XXXX ( a ) ) TransUnion received my notarized dispute letter but continued to report unverified and inaccurate tradelines, including : XXXX XXXX XXXX XXXX reported as charged off/repossessed despite inconsistent data across bureaus. 
XXXX XXXX XXXX off post-transfer, violating XXXX ( a ) ( XXXX ). 
XXXX XXXX fraudulent identity theft account, eligible for block under XXXX. 
Multiple collections ( IC System, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) lacking FDCPA validation. 
Failure to Block Fraudulent Accounts ( FCRA 605B ) I submitted a formal 605B block request identifying specific accounts opened without my consent ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
TransUnion has not blocked these items within the XXXX ( XXXX ) business days required by federal law. 
Failure to Provide XXXX and XXXX XXXX ( FCRA 609 ( a ) ( 1 ) ) No disclosure of the data furnishers, account ownership, or investigation results has been provided despite lawful request.

Unlawful Reinsertion Risk Warning ( FCRA 611 ( a ) ( 5 ) ( B ) ) TransUnion has a prior pattern of reinserting deleted items without certification, which I have preemptively documented for regulatory oversight.

Negligent or Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) TransUnions continued publication of inaccurate, unverifiable, and fraudulent data after proper notice constitutes willful and negligent noncompliance. 
Relief Requested I respectfully request the following actions by the Consumer Financial Protection Bureau : Direct TransUnion LLC to : Permanently delete or block all disputed and fraudulent accounts. 
Remove all unverifiable addresses and employer data. 
Provide written certification that no reinsertions will occur without my consent. 
Impose regulatory sanctions and civil penalties for failure to comply with FCRA XXXX, XXXX, XXXX, and XXXX. 
Require TransUnion to issue a corrected consumer credit report and provide a copy to all creditors who recently accessed my file. 
Evidence Attached Copy of Dispute & Deletion Demand Letter to TransUnion ( dated XX/XX/year> ) XXXX TRANSUNION Notarized Limited Power of Attorney authorizing XXXX XXXX XXXX to submit disputes on my behalf XXXX TRANSUNION XXXX Billing Statement verifying address ( XXXX, MI XXXX ) XXXX TRANSUNION XXXX of Identity Theft Affidavit and 605B Block Request Copy of Certified Mail Receipts ( if available ) Declaration I, XXXX XXXX XXXX, declare under penalty of perjury that the information contained in this complaint is true and correct to the best of my knowledge and belief. I am submitting this complaint in pursuit of my lawful rights under the Fair Credit Reporting Act. 
Signature : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2025

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