Consumer complaint received 2025-07-23 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:
# Comprehensive FCRA Dispute Letter - Fraudulent Collection Account * * Date : * * XX/XX/XXXX * * To : * * Federal Trade Commission * * CC : * * Consumer Financial Protection Bureau ( CFPB ) * * RE : * * Multiple FCRA Violations- Fraudulent Collection Account XXXX XXXX XXXX XXXX XXXX- {$8000.00} -- -- - Dear Federal Trade Commission and Consumer Financial Protection Bureau, I am formally filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple violations by TransUnion and demanding immediate investigation and remediation of a fraudulent collection account ( XXXX XXXX XXXX XXXX XXXX- {$8000.00} ) that has been illegally placed on my credit report. 

# # FCRA VIOLATIONS BY TRANSUNION * * I HAVE NEVER OWED ANY DEBT TO XXXX XXXX XXXX XXXX. XXXX. * * Despite this fact and my repeated disputes, TransUnion continues to report fraudulent collection information, violating numerous FCRA provisions : # # # Primary FCRA Violations : - * * 607 ( b ) - Maximum Possible Accuracy * * : TransUnion failed to maintain maximum possible accuracy by reporting false collection information - * * 611 ( a ) ( 1 ) - Investigation Requirements * * : TransUnion failed to conduct reasonable investigation of disputed information - * * 611 ( a ) ( 5 ) - Prompt Deletion * * : TransUnion failed to promptly delete or correct inaccurate information after investigation - * * 623 ( b ) - Duties Upon Notice of Dispute * * : TransUnion violated duties to investigate and correct inaccurate information - * * 616 - Civil Liability for Willful Noncompliance * * : TransUnions continued reporting of known false information constitutes willful noncompliance - * * 617 - Civil Liability for Negligent Noncompliance * * : TransUnions failure to follow reasonable procedures violates negligence standards # # TRANSUNIONS INADEQUATE RESPONSE On XX/XX/XXXX, TransUnion responded to my dispute regarding XXXX XXXX ( Complaint ID : XXXX ) with the following inadequate response : * After reviewing XXXX XXXX complaint, we found the information they disputed does not currently appear on their TransUnion credit report. Its possible the information was updated before we reviewed their report, or it was reported by one of the other credit reporting companies. We recommend reviewing their credit report again. * This response demonstrates TransUnions failure to conduct a reasonable investigation as required under FCRA 611 ( a ). TransUnions suggestion that I review their credit report again shows they did not properly investigate the fraudulent collection account XXXX XXXX XXXX XXXX XXXX- {$8000.00} that continues to appear. 

# # SUPPORTING EVIDENCE OF FRAUD # # # Data Breaches Enabling Identity Theft : My personal information was compromised in documented data breaches that directly enabled this fraudulent collection account : 1. * * National Public Data ( NPD ) Breach - XX/XX/XXXX * * : My SSN XXXX, full name, address, phone number, and other personal identifiers were exposed when the hacking group XXXX stole XXXX XXXX records 1. * * XXXX  XXXX XXXX * * : Confirmed impact on my personal information through official settlement notification # # # XXXX XXXX Letter : I possess a letter dated XX/XX/XXXX, from XXXX- the secondary bureau that TransUnion relies upon to validate public records accuracy - confirming that * * NO COLLECTION RECORDS EXIST * * in my public records profile. This definitively proves the fraudulent nature of the XXXX XXXX XXXX XXXX XXXX XXXX account. 

# # # Official Police Report : I have filed an identity theft police report with my local police department documenting this fraudulent collection account as part of the identity theft crimes committed using my compromised personal information from the data breaches. 

# # IDENTITY THEFT BLOCKING RIGHTS Under FCRA 605A, as referenced in the attached identity theft documentation : * If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. * The fraudulent collection account directly results from the documented data breaches and constitutes identity theft requiring immediate blocking under 605A. 

# # DEMANDS FOR IMMEDIATE ACTION Under federal consumer protection law, I demand : 1. * * Immediate removal * * of fraudulent collection account XXXX XXXX XXXX XXXX XXXX- {$8000.00} 1. * * Complete investigation * * under FCRA XXXX with proper verification through XXXX XXXX. * * Identity theft block * * placement under FCRA 605A 1. * * Written confirmation * * of all corrections and deletions 1. * * Compensation * * for willful FCRA violations under 616 1. * * Corrected credit reports * * sent to all parties who received inaccurate information # # ADDITIONAL FCRA VIOLATIONS TransUnions handling of this matter violates additional FCRA provisions : - * * 613 - Charges for Disclosures * * : Improper handling of identity theft-related disputes - * * 621 - Administrative Enforcement * * : Failure to comply with regulatory oversight - * * 623 ( a ) ( 1 ) - Accuracy Requirements * * : Reporting information known to be inaccurate # # EVIDENCE DOCUMENTATION This complaint includes supporting evidence : - Screenshots of data breach confirmations showing compromised SSN XXXX - XXXX XXXX  XXXX notification - TransUnions inadequate dispute response dated XX/XX/XXXX - XXXX letter XXXX XX/XX/XXXX, confirming no collection records exist - Official identity theft police report from local police department - Documentation of identity theft blocking rights under FCRA 605A # # CONCLUSION The fraudulent collection account XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} is a direct result of identity theft enabled by the documented data breaches. TransUnions continued reporting of this false information, despite clear evidence of its fraudulent nature, verification from XXXX that no such records exist, and an official police report documenting the identity theft, constitutes multiple willful violations of the FCRA. 

I demand immediate federal investigation and enforcement action against TransUnion for these systematic FCRA violations that have damaged my credit profile through fraudulent collection account reporting. 

This identity theft directly resulted from documented data breaches, and I demand full remediation under all applicable federal consumer protection statutes. 

Respectfully submitted, XXXX XXXX XXXX

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