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: CA

Complaint narrative:
I AM WRITING THIS AS A FORMAL NOTICE THAT I AM A VICTIM OF IDENTITY THEFT. - This letter serves as formal notice that I, XXXX XXXX, am a victim of identity theft, and fraudulent activity has been reported on my credit file. The following accounts, inquiries, and addresses were added without my knowledge or consent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ], to demand that you : \n- Block and delete the listed accounts and inquiries, \n- Remove the fraudulent addresses, and\n- Complete this action within 4 business days from receipt of this letter and my supporting documentation. 
Fraudulent Accounts to Be Blocked and Removed : - XXXX Auto Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - ACCT # XXXX Fraudulent Hard Inquiries to Be Deleted : XXXX XXXX  - XX/XX/year> ( TRANSUNION ) XXXX XXXX XXXX - XX/XX/year> ( TRANSUNION )- XXXX XXXX XXXX XX/XX/year> ( TRANSUNION ) - XXXX XXXX XX/XX/year> ( XXXX ) - XXXX  XX/XX/year> ( TRANSUNION ) - XXXX XXXX XX/XX/year> ( TRANSUNION ) You are also obligated under : \n- FCRA 611 [ 15 U.S.C. 1681i ] Reasonable reinvestigation and deletion of unverifiable information.\n- FCRA 623 [ 15 U.S.C. 1681s2 ] Furnishers must not report inaccurate information after being notified.\n- FACTA ( Fair and Accurate Credit Transactions Act ) Identity theft victims are entitled to specific protections and expedited resolution.

I HAVE SPOKE TO TRANS UNION SEVERAL TIMES OVER THE LAST 3 MONTHS, AND THEY HAVE TRAINED THEIR EMPLOYEES TO ACT ABOVE THE LAW.

I am filing this complaint against TransUnion LLC for willfully violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with my identity theft dispute.

I submitted a valid identity theft report ( pursuant to 15 U.S.C. 1681c-2 ( a ) ), along with proper identification and a detailed request to block fraudulent information appearing on my credit report. Despite providing all required documentation under FCRA 1681c-2, TransUnion has refused to block or remove the fraudulent accounts as required by law.

TransUnion continues to report information that I have formally identified as resulting from identity theft. They claim to follow internal guidelines that override or delay their legal obligations under the FCRA. However, under 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ), a consumer reporting agency must permanently block fraudulent information within 4 business days of receiving an identity theft report.

Additionally, TransUnion has failed to conduct a reasonable reinvestigation of disputed information as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This is a direct violation of their duty to ensure the maximum possible accuracy of consumer reports ( 1681e ( b ) ).

TransUnions internal policy of requiring additional documents or setting standards beyond what the FCRA requires is illegal. Federal law preempts such actions. Their refusal to comply with the statutory requirements outlined in the FCRA is causing continued financial harm and reputational damage to me as a victim of identity theft.

I request that the CFPB investigate these violations and compel TransUnion to comply with the FCRA.

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