Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
To Whom It May Concern, This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Date of inquiry : XX/XX/2024 XXXX. XXXX XXXX Date of inquiry : XX/XX/2024 XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms me. 
Required Resolution and Timeline Under the FCRA, you are legally obligated to : Permanently delete the above accounts and inquiries Block all identity theftrelated data within 4 business days of receiving this documentation Provide me with a corrected and updated consumer report Send written confirmation of deletions and blocks Failure to do so will result in formal complaints being filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Office of the Attorney General in both your state and mine Additionally, I reserve the right to take legal action under FCRA 616 for statutory damages of up to {$1000.00} per violation, plus attorneys fees and other damages. 
Documents Enclosed : Government-issued photo ID Social Security card Proof of current address Copy of FTC Identity Theft Report I expect this matter to be corrected immediately. Please stop dragging your feet this is not a misunderstanding, its identity theft. Im not going to let this sit unresolved any longer. You now have everything you need to act. 
I expect a full response, written confirmation of deletions, and a clean copy of my updated credit report within the legal window.

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