Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Date : XX/XX/XXXX2025 TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Account Reporting | File Number : XXXX To Whom It May Concern, This letter serves as a formal dispute of the inaccurate and fraudulent account being reported under File Number XXXX, specifically referencing XXXX XXXX. I have previously notified TransUnion that this account is the result of identity theft and does not belong to me. 

Your response dated XX/XX/XXXX2025 declining to block the account under Section 605B of the Fair Credit Reporting Act ( FCRA ) is unacceptable and contradicts your obligations under 15 U.S. Code 1681c2. I have provided the appropriate dispute documentation, and as such, TransUnion is required to block fraudulent or unverifiable information within four ( 4 ) business days of receipt.

Your reasoning that prior disputes, payment history, or the date the account was opened disqualifies it from being fraudulent is without merit. Unless you can provide verifiable documentation with my original signature proving I authorized the XXXX XXXX account, it must be removed from my credit report immediately. 

Additionally, it is worth noting that TransUnion has faced multiple class action lawsuits for failing to protect consumer information, including data breaches and the mishandling of identity theft disputes. Despite these legal precedents, you continue to violate the rights of consumers by reporting unverifiable and disputed accounts. This ongoing negligence further demonstrates a pattern of noncompliance with federal consumer protection laws. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am issuing a Cease and Desist order. You are instructed to : Cease all communication with me regarding the XXXX XXXX account ; Refrain from any further reporting or re-reporting of this account unless full and lawful validation is provided ; and Stop disseminating inaccurate, disputed, or fraudulent information to third parties. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) at the following address : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX In addition, I may pursue legal remedies as permitted under the FCRA and FDCPA. 

All future correspondence must be in writing only and mailed to the address below. I expect written confirmation of the deletion or correction of this account within 15 days of receiving this notice. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Sincerely, XXXX XXXX In XX/XX/XXXX2025, I noticed a fraudulent account from XXXX XXXX on my credit report. I immediately filed a dispute with TransUnion, which was wrongfully denied on XX/XX/XXXX2025, under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

I have requested validation and documentation of this account from both TransUnion and XXXX XXXX XXXX, who services the XXXX XXXX account. XXXX has explicitly stated that they are declining to provide an assignment contract or original signed documentation proving the debt belongs to me. 

Despite my efforts, this account remains on my report and has caused the following : Emotional XXXX : including XXXX  XXXX, and XXXX Financial harm : due to credit denials, higher interest rates, and loss of opportunities XXXX exhaustion : from repeatedly disputing and requesting proof This situation is worsened by the fact that TransUnion has already been involved in multiple class action lawsuits regarding failure to protect consumer data and properly respond to disputes yet this behavior continues.

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