Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Dear TransUnion, I am writing to formally request that certain fraudulent items be blocked from my credit report under Section 605 of the Fair Credit Reporting Act ( FCRA ). I have identified hard inquiries that have been reported as a result of identity theft, and as such, I believe these entries must be removed from my credit file. I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appeal on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These inquiries were previously disputed by the CFPB file number XXXX and file number XXXX and were previously removed per your investigation but were never blocked and removed per your results.These fraudulent hard inquiries are as follows : Previously deleted per your reinvestigation item has now reappeared hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. As stipulated by FCRA Section 605B, you are required to block fraudulent information from my credit report within XXXX business days of receiving this request and all necessary documentation. Please confirm in writing that the requested items have been blocked within the required timeframe. If any additional information is required to process this request, please notify me promptly so that I can provide it without delay. I appreciate your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these fraudulent accounts from my credit report. I have attached supporting documentation, including Identity Theft Report that verifies the fraudulent nature of these accounts, as required by the FCRA. Additionally, I have enclosed copies of my government-issued ID, proof of address, and any other documents necessary to validate my claim. In accordance with the FCRA, I respectfully request that you block this fraudulent information from my credit report and notify all relevant parties of the action taken. I understand that you have a limited time frame to process this request and to confirm that the fraudulent information has been blocked. Please confirm the successful completion of this action in writing. Thank you for your prompt attention to this matter. I look forward to your response and the removal of these fraudulent entries from my credit file. Sincerely, XXXX XXXX Attachments : Identity Theft Report Copy of Government-Issued ID Proof of Address

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