Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the result of fraudulent activity and not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including evidence that my personal data was compromised in the XXXX  data breach. The fraudulent accounts reported on my TransUnion credit file include a XXXX  account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXXXXXX  with a reported balance of {$1100.00} under a credit card ; a XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened in XX/XX/XXXX with a reported balance of {$6100.00} under an auto loan ; a XXXX XXXX  account ending in XXXXXXXX XXXX XXXX XXXX XXXX, opened in XX/XX/XXXX with a reported balance of {$3100.00} under an auto lease ; and an XXXX account ending in XXXXXXXX XXXX XXXX XXXX opened in XX/XX/XXXX with a {$0.00} balance under an unsecured loan. I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my TransUnion credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$1100.00} balance, an auto loan opened at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$6100.00} balance, an auto lease opened at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX with a {$3100.00} balance, and an unsecured loan opened at XXXX on XX/XX/XXXXXXXX  under account XXXXXXXX XXXX XXXX XXXX  with a {$0.00} balance. These accounts have resulted in fraudulent hard inquiries and adverse reporting on my consumer FICO credit report. I demand the immediate removal of these items and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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