Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible XXXX. XXXX - XXXX - Under 15 USC 1666 Billing Error - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible XXXX. XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible XXXX. XXXX / XXXX - XXXX - This collection account reports as open on XXXX  and closed on XXXX a clear inconsistency. Under FCRA 1681i and 1681s-2, I demand immediate removal. This account is linked to identity theft and is harmful to my credit. Refer to the FTC Identity Theft Report for evidence. - Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ). Please provide validating documents. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account reports as open on XXXX  and closed on XXXX  a clear inconsistency. Under FCRA 1681i and 1681s-2, I demand immediate removal. This account is linked to identity theft and is harmful to my credit. Refer to the FTC Identity Theft Report for evidence. - Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ). Please provide validating documents. 
XXXX. XXXX XXXX - XXXX - This collection account reports as open on XXXX  and closed on XXXX  a clear inconsistency. Under FCRA 1681i and 1681s-2, I demand immediate removal. This account is linked to identity theft and is harmful to my credit. Refer to the FTC Identity Theft Report for evidence. - Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. 
Also, in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ). Please provide validating documents. 
XXXX. XXXX - XXXX - This collection account reports as open on XXXX  and closed on XXXX  a clear inconsistency. Under FCRA 1681i and 1681s-2, I demand immediate removal. This account is linked to identity theft and is harmful to my credit. Refer to the FTC Identity Theft Report for evidence. - Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Please provide validating documents. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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