Consumer complaint received 2025-10-21 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:
Formal Complaint : I am formally disputing multiple fraudulent and inaccurate accounts on my TransUnion credit file, some reported under the incorrect name XXXX XXXX. My legal name is XXXX XXXX, and all accounts under XXXX XXXX must be immediately deleted. Many accounts also list addresses at which I have never resided, including states I have not lived in. 

Despite prior submissions of IRS Form 14039 ( Identity Theft Affidavit ), proof of identity, and proof of residence, TransUnion continues to send sensitive credit information to addresses that are not mine. After requesting correction to my XXXX  address, I was told that adjustment was not possible. TransUnion makes no substantive effort to correct their repeated errors and continues the same scripted responses to feign compliance. This pattern of deliberate obfuscation justifies a strict 7-day compliance window, and all responses must be submitted within the CFPB portal, supported by documentation and proof, not sent via mail to random addresses. 

TransUnions ongoing failure to verify, correct, and block fraudulent accounts constitutes willful, negligent, and deceptive practices in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : 611 Duty to investigate and correct inaccurate information 604 Permissible purposes and limits on credit access 609 Consumer access to credit information 616617 Civil liability for willful or negligent noncompliance TransUnion must recognize that if a debt is reported as mine, the furnisher must provide verification, including : Signed documentation validating the debt A copy of my government-issued ID Confirmation of my address Without this verification, any reported debt is presumptively fraudulent, and TransUnion is legally obligated to remove it. 

Disputed Accounts : Creditor Balance Notes DNF Associates {$3900.00} XXXX XXXX XXXX XXXX {$1100.00} Fraudulent account XXXX XXXX {$0.00} Prior account XXXX XXXX {$2100.00} Fraudulent account XXXX {$0.00} Fraudulent account XXXX  {$0.00} Fraudulent account XXXX-XXXX  {$0.00} Fraudulent account Additional Disputes : All accounts previously reported under XXXX XXXX XXXX XXXX hard inquiries over the past 2.5 years Demanded Remediation : Pursuant to the FCRA, I demand that TransUnion immediately and fully : Delete all fraudulent accounts listed above. 

Remove all accounts reported under XXXX XXXX. 

Remove all unauthorized hard inquiries. 

Correct all inaccurate addresses, including ensuring my Maryland address is used exclusively. 

Provide Method of Verification and documentation for all disputed accounts within the CFPB portal, not via postal mail to incorrect addresses. 

Timeframe for Compliance : TransUnion must complete this remediation within 7 days. Failure to comply will result in formal legal action under 15 U.S.C. 1681n and 1681o, seeking statutory damages, attorneys fees, and punitive remedies for willful noncompliance, deception, and reckless disregard of federal law. 

Notice of Public Disclosure : TransUnions repeated errors, refusal to correct addresses, and maintenance of fraudulent accounts constitute unfair, deceptive, and misleading practices. I am documenting this matter to the CFPB, legal authorities, and the public to prevent continued abuse and noncompliance. 

Legal Precedents : TransUnion LLC XXXX XXXX ( XXXX ) : U.S. Supreme Court found TransUnion violated FCRA by failing to ensure credit file accuracy, causing reputational and emotional harm. 

XXXX v. XXXX  ( XXXX ) : Court reinforced requirement to block identity theft-related accounts with proper documentation, rejecting technical feasibility excuses. 

XXXX Settlement ( XXXX ) : TransUnion fined XXXX XXXX for failing to ensure accuracy of tenant screening reports, a clear violation of FCRA obligations. 

Attachments : Proof of Identity Proof of Address ( XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief