Consumer complaint received 2025-05-04 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:
URGENT DISPUTE FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT / ACCOUNT # XXXX & XXXX This complaint serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning XXXX fraudulent accounts listed on my consumer file with TransUnion. 

XXXX Account # XXXX is being falsely reported as XXXX days late with a notated settlement, which is inaccurate and misleading. I categorically deny ever opening or settling this account. There is no documented settlement agreement, and no legally sufficient verification has ever been presented. 

XXXX Account # XXXX is also a fraudulent tradeline with a balance of {$440.00}. This account was included in the identity theft report I previously submitted to TransUnion alongside supporting documentation, including : Government-issued ID Social Security XXXX XXXX agreement Signed FTC Identity Theft Report Statement of dispute Despite this, TransUnion has failed to comply with 15 U.S.C. 1681c-2, which requires the blocking of all information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. 

DEMAND FOR EVIDENCE AND COMPLIANCE I now formally request, under 15 U.S.C. 1681i ( a ), that TransUnion : Produce all documentation supporting any alleged settlement for the XXXX account, including signed agreements. 

Provide proof of delivery of any notices or billing statements sent to me 21 days prior to the reported delinquency, per Truth in Lending Act ( TILA ) requirements for accurate billing practices. 

Submit all tracking numbers, call logs, recorded conversations, and emails relating to both accounts. 

Identify the furnisher of the information, and demonstrate compliance with XXXX XXXX compliance format, including the proper use of Compliance Condition Codes ( CCC ), such as XH ( Consumer disputes meets FCRA requirements ) or XB ( Account in dispute meets FCRA ). 

TransUnion 's continued reporting of these accounts, in light of documented identity theft and the Equifax data breach, constitutes willful noncompliance with the FCRA and is materially injurious to my creditworthiness. See XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), both confirming the duty of consumer reporting agencies to conduct reasonable investigations into disputed accounts. 

If these accounts are not removed, I will escalate this matter by filing complaints with, Federal Trade Commission ( FTC ), Maryland Attorney General, and will pursue legal remedies under 15 U.S.C. 1681n and 1681o for actual, statutory, and punitive damages. 

REQUESTED RESOLUTION : Permanently delete both XXXX and XXXX accounts from my TransUnion file. 

Mail me a corrected copy of my consumer report. 

Provide written confirmation of the investigation results and actions taken.

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