Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Date : [ MM/DD/YYYY ] Via : Certified Mail Return Receipt Requested TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Re : Identity Theft Demand for Immediate Deletion of Fraudulent Accounts ( File/Reference : [ if any ] ) Notice : This is an identity-theft dispute and formal demand for immediate corrective action under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and notice of criminal identity theft under 18 U.S.C. 1028.

To Whom It May Concern : I am the victim of criminal identity theft. The following account entries appearing on my TransUnion consumer file are fraudulent and were opened and/or used without my knowledge, authorization, or consent. I dispute the accuracy and legitimacy of the accounts below and demand that TransUnion investigate and delete them immediately. 

Accounts on TransUnion ( as shown in my attached screenshots ) : XXXX Account # : XXXX XXXX Balance shown on screenshot : {$2700.00} Reported XX/XX/XXXX ( Derogatory / Collection ). 
XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Balance shown : {$240.00} ( Derogatory / Collection ). 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Derogatory / Closed / Collection ). 
Credit Union/ {$4200.00} account Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Derogatory / Closed / Chargeoff ). 
Account # : XXXX XXXX Balance shown : {$600.00} ( Derogatory / Open/Collection ). 
XXXX  XXXX / XXXX  XXXX related Account # : XXXX XXXX Balance shown : {$710.00} ( Derogatory / Collection ). 
Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance shown : {$530.00} ( Derogatory / Collection ). 
Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance shown : {$300.00} ( Derogatory / Collection ). 
Additional accounts included in my TransUnion screenshots ( see attached pages ) : ( refer to attached screenshot pages, highlighted ). 

Because these are identity-theft matters, I demand the following immediate actions : 1. Under 15 U.S.C. 1681i you must conduct a reasonable reinvestigation and delete any item you can not verify. I demand deletion of the above fraudulent accounts from my TransUnion consumer file within 4 calendar days of your receipt of this letter and the attached supporting documents. If you verify any account, you must provide me the complete documentation used to verify it ( original application, IP logs, copies of ID provided to the furnisher, signature, etc. ). 
2. If you fail to delete these accounts promptly, I will pursue all available remedies including complaints to enforcement agencies ( CFPB, State AG ), and private civil actions under the FCRA for willful violations.

3. I have filed ( or will file ) a police report and completed an identity-theft affidavit. I am attaching copies of the police report or affidavit, a government-issued ID, proof of address, and my credit report pages with the disputed items clearly highlighted. 

Attachments ( included ) : Police report / incident number ( or sworn affidavit ), identity-theft affidavit, copy of government ID ( front/back ), proof of address ( utility bill ), credit report screenshot pages ( highlighted ). 

If you have any questions or need further documentation, contact me in writing at the address above or by email at : [ your email ]. If you claim there is documentation showing my authorization for any of these accounts, you must produce the complete original records used to verify the account not a summary. 

This is a time-sensitive identity-theft matter. Continued reporting of these fraudulent accounts is causing severe harm. I demand deletion within 4 calendar days. 

Sincerely, 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