Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX RE : FORMAL DISPUTE - FRAUDULENT COLLECTION ACCOUNT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX * * DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT * * TO WHOM IT MAY CONCERN : This letter serves as formal notice of dispute regarding a fraudulent collection account currently reporting on my TransUnion credit report. I am demanding immediate deletion of this account based on multiple violations of the Fair Credit Reporting Act ( FCRA ) and your firms lack of legal authority to collect on this debt. 

* * LEGAL VIOLATIONS AND GROUNDS FOR DELETION : * * * * 1. UNLICENSED DEBT COLLECTION IN VIOLATION OF CALIFORNIA LAW * * Your firm is not licensed with the XXXX XXXX XXXX XXXX ( XXXX  ) for the state of California, making it illegal for you to collect on behalf of any creditor in this state. Under 15 U.S.C. 1692 ( a ) ( 6 ) of the FCRA, you lack the legal standing to report this account to any credit reporting agency.

* * Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 2 ) of the FCRA * *, furnishers of information must ensure the accuracy and integrity of information provided to credit reporting agencies. Your unlicensed status renders any reporting activity illegal and violates your duty to furnish accurate information.

* * 2. IDENTITY THEFT - FRAUDULENT ACCOUNT CREATION * * This account stems from identity theft. An unknown individual fraudulently obtained an apartment at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  using my stolen personal information. I am the victim of identity theft and bear no responsibility for this fraudulent debt. 

* * Under 15 U.S.C. 1681c-2 of the FCRA * *, I have the right to have fraudulent accounts blocked from my credit report when I provide appropriate documentation proving identity theft. The FCRA specifically states that upon receipt of appropriate proof of identity theft, credit reporting agencies must block the reporting of information that resulted from identity theft.

* * 3. TRANSUNIONS FAILURE TO BLOCK FRAUDULENT INFORMATION * * I have provided TransUnion with comprehensive documentation proving this account is fraudulent, including : - FTC Identity Theft Report - Police Report documenting identity theft - Government-issued identification - Social Security card - Utility bill proving residence * * Under 15 U.S.C. 1681c-2 ( a ) ( 1 ) * *, TransUnion is required to block fraudulent information when appropriate documentation is presented. Their failure to block this fraudulent account violates federal law. 

* * 4. VIOLATIONS OF FCRA ACCURACY REQUIREMENTS * * * * Pursuant to 15 U.S.C. 1681e ( b ) * *, credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of consumer information. Continuing to report a fraudulent account constitutes a willful violation of this requirement.

* * Under 15 U.S.C. 1681i * *, when a consumer disputes information, you must conduct a reasonable investigation. Given the clear evidence of identity theft and your unlicensed status, continued reporting demonstrates failure to conduct proper investigation.

* * DEMAND FOR IMMEDIATE ACTION : * * Based on the above violations, I demand that you : 1. * * IMMEDIATELY CEASE * * all collection activities on this fraudulent account 1. * * IMMEDIATELY DELETE * * this account from my TransUnion credit report 1. * * PROVIDE WRITTEN CONFIRMATION * * of deletion within 30 days 1. * * CONFIRM * * that no further collection activities will be pursued on this fraudulent debt * * NOTICE OF INTENT TO PURSUE LEGAL ACTION : * * Your firms unlicensed debt collection practices and continued reporting of fraudulent information constitute willful violations of the FCRA. Under 15 U.S.C. 1681n, consumers may recover actual damages, statutory damages up to {$1000.00}, punitive damages, and attorneys fees for willful violations.

If this matter is not resolved within 30 days of receipt of this letter, I will pursue all available legal remedies, including filing complaints with appropriate regulatory agencies and pursuing litigation for FCRA violations. 

* * PRESERVATION OF EVIDENCE : * * This letter serves as notice that all records, communications, and documentation related to this account must be preserved for potential legal proceedings. 

I expect your immediate attention to this matter and full compliance with federal law. Your prompt response confirming deletion of this fraudulent account is required within 30 days. 

* * CC : Consumer Financial Protection Bureau * * * ( This letter is being filed with the CFPB through their website ) * Sincerely, XXXX XXXX XXXX * * ATTACHMENTS : * * - Copy of FTC Identity Theft Report - Copy of Police Report - Copy of identification documents- Copy of TransUnion credit report showing fraudulent account

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