Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am submitting this complaint against XXXX, XXXX, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverified tradelines that remain on my credit reports despite proper disputes and notices. 
On XX/XX/XXXX, I mailed full identity theft dispute packages by certified mail to all three credit bureaus ( XXXX, XXXX, and TransUnion ). Each package contained : Proof of identity copy of government-issued ID and utility bill. 
FTC Identity Theft Report ( dated XX/XX/XXXX ). 
Law enforcement report XXXX XXXX XXXX XXXX, Case # XXXX. 
Sworn statement of denial I did not authorize or open these accounts. 
On XX/XX/XXXX, I mailed supplemental letters to all three bureaus with a specific list of the fraudulent tradelines to be deleted. This ensured each bureau had not only my ID theft report but also a clear, itemized account list. 
These submissions satisfied all four statutory requirements under 15 U.S.C. 1681c-2 ( a ) ( 1 ) - ( 4 ). Each bureau was therefore legally required to block the fraudulent accounts within 4 business days of receipt.

Instead of blocking them, on September 1820, 2025, the bureaus merely added remarks such as Consumer disputes reinvestigation in progress to the accounts. This is not compliant with 605B, which mandates immediate blocking, not remarking. By choosing the slower reinvestigation process under 611, the bureaus acted in bad faith and outside the law. 
As of XX/XX/XXXX, the fraudulent accounts still appear on my credit reports. This is a clear, willful violation of 605B. Additionally, the accounts appear inconsistently across bureaus ( reported by one, omitted by others ). This proves failure to maintain maximum possible accuracy, in violation of FCRA 1681e ( b ). 
Fraudulent Tradelines Identified XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by TransUnion ( XX/XX/XXXX, balance {$2700.00}, closed ) Not reported by XXXX  or XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by XXXX  ( XX/XX/XXXX, balance {$2700.00}, charge-off ) Not reported by TransUnion or XXXX  XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by TransUnion ( XX/XX/XXXX ) and XXXX  XXXX XX/XX/XXXX ) Not reported by XXXX  Balance : {$0.00}, High Balance {$3400.00} XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by XXXX  ( XX/XX/XXXX, balance {$2700.00}, 60 days late ) Not reported by TransUnion or XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by TransUnion ( XX/XX/XXXX, balance {$100000.00}, 2 late payments ) Not reported by XXXX  or XXXX  XXXX XXXX XXXX  Account # XXXX * * * * * * * Reported by TransUnion ( XX/XX/XXXX, balance {$100000.00}, XXXX late payments ) Not reported by XXXX  or XXXX  XXXX Loan Services Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by XXXX  ( XX/XX/XXXX, balance {$100000.00}, 4 late payments ) Not reported by TransUnion or XXXX  XXXX  XXXX XXXX / XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by TransUnion ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX XXXX Not reported by XXXX  XXXX XXXX XXXX / XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by TransUnion ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX XXXX Not reported by XXXX  Damages Suffered Because of these failures, I have suffered documented financial harm, including : XXXX XXXX XXXXXXXX credit denial ( XX/XX/XXXX ) XXXX XXXX XXXX denial ( {$200000.00} request, XX/XX/XXXX ) XXXX denial ( XX/XX/XXXX ) XXXX denial ( XX/XX/XXXX ) These denials were directly caused by the fraudulent accounts that the bureaus were obligated to block but failed to. I have suffered reputational harm, loss of credit opportunities, and financial injury as a result of these violations. 
Relief Requested Immediate deletion and blocking of all listed fraudulent accounts across XXXX, XXXX, and TransUnion.

Written confirmation that 605B requirements have been met.

Correction of my files to reflect only accurate, verifiable data.

Investigation into the bureaus willful violations of both 605B and 1681e ( b ).

Enforcement of penalties as appropriate, and acknowledgment of the financial harm I have suffered.

Conclusion The continued reporting of these fraudulent tradelines, despite my compliance with every statutory requirement, demonstrates a clear disregard for federal law and my consumer rights. I respectfully request swift corrective action and regulatory enforcement to ensure these violations are remedied without further delay.

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