Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am filing this complaint pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable federal consumer protection laws regarding TransUnions failure to conduct a reasonable investigation, failure to provide required documentation, and failure to block fraudulent accounts and inquiries from my credit file despite repeated notices by certified mail and through their online portal. I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an Experian data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number ( FTC CASE NUMBER ) and included with this letter. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report.. This statute requires credit reporting agencies to address such requests promptly, within XXXX business days of receiving a complaint containing the following information : Background of Complaint I have sent multiple disputes to TransUnion via certified mail and their online portal concerning fraudulent accounts and inquiries caused by identity theft. Despite these repeated good-faith efforts, I have only received generic template responses that do not address my disputes or provide the required documentation under the FCRA. TransUnion has failed to comply with its statutory obligations to protect consumers against identity theft and inaccurate reporting. 
Fraudulent Accounts and Collections in Question 1. XXXX XXXX XXXX  Credit Card Acct. No. XXXX ( opened around XX/XX/XXXX, balance {$0.00} ). 
XXXX. XXXX XXXX XXXX ( XXXX XXXX account ) Acct. No. XXXX ( opened around XX/XX/XXXX, balance {$620.00} ). 
XXXX. XXXX XXXX XXXX Acct. No. XXXX ( opened around XX/XX/XXXX, balance {$22000.00} ). 
XXXX. XXXX XXXX XXXX Acct. No. XXXX ( opened XX/XX/XXXX, balance {$2500.00} ). 
XXXX. XXXX XXXX XXXX account number listed ; balance not visible. 

Fraudulent Hard Inquiries - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX Applicable Federal Laws Violated - FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block identity theft information within 4 business days of receiving proper notice.

- FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reasonable reinvestigation of disputed information and for the credit bureau to provide all documentation relied upon in verifying the disputed items.

- FCRA 609 ( 15 U.S.C. 1681g ) : Requires credit bureaus to provide all information in the consumers file and the sources of that information upon request.

- FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers from reporting information they know, or should know, is inaccurate.

- FDCPA 807 ( 15 U.S.C. 1692e ) : Prohibits debt collectors from reporting false or misleading information regarding alleged debts.

Supporting Documentation Attached - Copy of my FTC Identity Theft Complaint # XXXX. 
- Copies of my dispute letters sent via certified mail and online portal submissions.

- A copy of my FICO credit report showing fraudulent accounts and inquiries.

- List of fraudulent inquiries.

Relief Requested I am requesting the CFPB to compel TransUnion to : 1. Immediately block the fraudulent accounts and inquiries under FCRA 605B.

2. Provide me with all documentation, contracts, applications, or evidence they claim to have used in verifying these fraudulent accounts.

3. Remove all fraudulent accounts, collections, and inquiries from my credit report.

4. Ensure TransUnion complies with its obligations under the FCRA and FDCPA to protect consumers from identity theft and inaccurate reporting.

Conclusion TransUnion has failed to uphold its statutory obligations despite my repeated certified mail requests, via phone and online portal submissions. These failures are in direct violation of federal law, and I request the CFPBs immediate intervention to ensure my rights as a consumer are protected.

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