Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Subject : Formal Complaint TransUnion 's Repeated Refusal to Block Fraudulent Accounts ( File Number : XXXX ) To Whom It May Concern, I am writing to file a formal complaint against TransUnion for its continued and unlawful refusal to block multiple fraudulent accounts from my credit report, despite my full compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ). This marks my third attempt to have these fraudulent accounts removed. I attached previous dispute letters and their responses to Transunion. 

On XX/XX/year>, I submitted a formal dispute ( TransUnion File Number : XXXX ) with all required documentation, including : Police Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC Identity Theft Report ( # XXXX ) Government-Issued ID ( MD State ID ) Proof of Address On XX/XX/year>, TransUnion responded under File Number : XXXX, again refusing to block the fraudulent accounts, citing reasons that are inconsistent with the legal requirements of the FCRA. Their claim that the accounts showed prior activity, were previously disputed, or were opened before the fraud was reported does not relieve TransUnion of its obligation to block fraudulent information when a valid identity theft report has been provided. 

The fraudulent accounts I requested be removed include ( but are not limited to ) : Achieve Personal Loans XXXX XXXX XXXX XXXX multiple accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple accounts ) XXXX XXXX. 

XXXX XXXX XXXX I also requested the deletion of fraudulent addresses and unauthorized hard inquiriesnone of which I authorized or initiated. 

TransUnions failure to act violates : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires blocking of fraudulent accounts within four business days of receiving a valid identity theft report and police report.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Prohibits furnishing of information known to be inaccurate.

12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ( CFPA ) : Prohibits unfair or deceptive practices in consumer financial services.

TransUnions refusal to block these accounts, despite full documentation, is obstructive and unjust. Their actions are contributing to ongoing financial harm, credit denials, and emotional distress. I respectfully request the CFPB to : Investigate TransUnions noncompliance with Section 605B of the FCRA.

Compel TransUnion to immediately block the fraudulent accounts, inquiries, and addresses in accordance with federal law.

Ensure TransUnion provides me with written confirmation once all fraudulent data has been permanently removed. 

I have attached a copy of my XX/XX/year> dispute letter, TransUnion 's XX/XX/XXXX response, and supporting documentation for your review. 

Thank you for your assistance in holding TransUnion accountable and helping restore my financial reputation. 

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 explanation