Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am disputing the continued and unlawful reporting of a fraudulent XXXX account appearing on my credit report. Despite having already submitted extensive documentationincluding an official police report, an FTC Identity Theft Report, and military records verifying I was on XXXX XXXX at the time this account was openedTransUnion has continued to report this account, in violation of my rights under federal law. 

Fraudulent Account Details : Creditor Name : XXXX  Balance : {$0.00} Late Payments Reported : XX/XX/year> XX/XX/year> Account Status : Charged Off Date of Account Opening : While I was XXXX  XXXX  military duty, without my authorization or knowledge Despite XXXX  refusal to remove this fraudulent account from their systems, TransUnion is federally obligated to act independently and in compliance with the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, when a consumer identifies information resulting from identity theft, the credit bureau must block and cease reporting said information within four business days of receiving : 1. Proof of identity 2. A copy of an identity theft report ( such as from the FTC or law enforcement ) 3. Identification of the fraudulent information on the credit report 4. A statement that the information is not related to any transaction the consumer made I have provided all of these materialsin some cases, more than onceand have followed every procedure required by federal law. Yet this account continues to be verified automatically and inaccurately reported, in direct violation of FCRA 605B and 611. Let me be clear : no creditor, including XXXX, can override or block your legal obligation to remove fraudulent data once Ive met the above requirements. 

Further, I am explicitly requesting that my dispute be escalated to a live representative or supervisor for full manual review and not routed through automated systems or third-party e-Oscar protocols, which are inadequate to investigate nuanced cases of identity theft and XXXX  military service. 

I also ask TransUnion to document in writing : Whether this dispute was handled by an actual human investigator Whether my submitted police report and military documentation were reviewed The basis upon which TransUnion continues to verify this fraudulent data Legal Support for My Request : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit bureaus to block reporting of information resulting from identity theft within 4 business days once proper documentation is received. 
FCRA 611 ( 15 U.S.C. 1681i ) : Requires credit bureaus to conduct a reasonable reinvestigation and remove or correct inaccurate, incomplete, or unverifiable information. 
FCRA 602A ( 15 U.S.C. 1681 ( a ) ( 4 ) ) : Grants consumers the right to fairness, impartiality, and accuracy in credit reporting. 

TransUnion has no legal basis to continue reporting this account, particularly given the conclusive evidence Ive already provided. Kikoffs unwillingness to issue a goodwill deletion does not override your legal obligation to block information that is fraudulent under federal law. 

Final Request : I am demanding that TransUnion IMMEDIATELY remove and block all reporting related to the fraudulent XXXX account on my credit report. This includes the five late payments and the charge-off status. Additionally, I request written confirmation of this deletion along with a revised credit report showing the removal. 

Should this matter remain unresolved, I am prepared to escalate it by filing formal complaints with : The Federal Trade Commission ( FTC ) The Consumer Affairs Division of the Attorney Generals Office Legal counsel, if necessary I expect a full resolution and written confirmation within 15 days of receipt of this letter. I appreciate your immediate attention to this matter and expect compliance with the law.

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