Consumer complaint received 2025-04-23 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:
Subject : Formal Dispute and Demand for Permanent Deletion of Fraudulent Accounts FCRA Violations Dear TransUnion, I am writing to formally dispute the reporting and repeated reinsertion of the following fraudulent accounts on my TransUnion credit file. These accounts were not opened by me, and I am the confirmed victim of identity theft : Fraudulent Accounts in Question : 1. XXXX XXXX Account No. : XXXX Amount : {$12000.00} 2. XXXX Account No. : XXXX Amount : {$13000.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$8000.00} Both XXXX accounts have been previously investigated and confirmed to be fraudulent by XXXX XXXX XXXX, the original creditor. Despite this, TransUnion has reinserted these two accounts for the fourth time onto my credit report. I have spoken directly to representatives in the Fraud Department of XXXX XXXX XXXX, and theyve confirmed that they are not contacting TransUnion to re-report these accounts, nor are they verifying them in any way. In their records, both accounts are documented as identity theft and closed accordingly. 

This repeated reinsertion by TransUniondespite conclusive evidence and prior removalsis not only highly irresponsible, it is a clear violation of federal law under the Fair Credit Reporting Act ( FCRA ). It is difficult not to believe there is a technical glitch within XXXX system, or worse, a systematic failure in following proper fraud protocols. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account is also fraudulent. Someone used my stolen personal information to fraudulently obtain an apartment. I never lived at or applied for the address connected to that debt. I received an email from TransUnion stating that I needed to obtain a signed identity theft police report to resolve the dispute. I have done so. 

During the XXXX pandemic, the XXXX suspended XXXX signatures on identity theft reports unless the victim visited the station in person. 
I personally went to the XXXX station, filed a report in person, and obtained a signed report and officers business card with the matching report number. 

FCRA Violations by TransUnion : 1. Illegal Reinsertion Without Notice 1681i ( a ) ( 5 ) ( B ) TransUnion is required by law to notify me in writing within 5 business days any time it reinserts previously deleted information.

I have never received such notice for any of the four reinsertions of the XXXX accounts. 

2. Prohibited Reporting of Fraudulent Data 1681c-2 Under this section, once a consumer provides valid identity theft documentation ( e.g., a police report ), credit bureaus are prohibited from reporting that information again unless the data furnisher certifies its accuracy. 
XXXX XXXX XXXX has confirmed that no such certification was made because the accounts are fraudulent. 

3. Failure to Ensure Maximum Accuracy 1681e ( b ) Credit reporting agencies must ensure the information they report is complete and accurate. Re-reporting known fraudulent data for the fourth time is not only inaccurateits negligent.

4. Negligence, Oversight, and Abuse of Authority 1681n and 1681o TransUnions continued reinsertion of accounts it knows to be false, especially in the face of valid identity theft documentation, constitutes willful and/or negligent noncompliance with the FCRA, and subjects the agency to legal liability.

Enclosed Supporting Documentation : Signed LAPD Identity Theft Police Report LAPD Officers business card with report number and signature Recent utility bill verifying my address Screenshots of communication from TransUnion requesting police report I Demand the Following Action : 1. Immediately and permanently delete the above-referenced fraudulent accounts from my TransUnion credit file 2. Block these accounts from future reinsertion under FCRA 1681c-2 3. Provide written confirmation that the accounts have been deleted 4. Provide the name and address of the furnisher that allegedly reverified the XXXX accounts 5. Disclose any certifications of accuracy, if they exist 6. Acknowledge my signed police report as valid documentation under federal identity theft guidelines If this matter is not resolved within 15 calendar days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney Generals Office. I am also prepared to pursue civil legal action under 15 U.S.C. 1681n and 1681o for damages caused by TransUnions repeated failure to follow federal consumer protection laws. 

Sincerely, 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 explanation