Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Verified Identity Theft Victim Experian & XXXX XXXX FCRA, UDAAP, and Federal Violations Fraudulent Account Reporting & Denial of Access I. Summary of the Issue I am a verified victim of identity theft, and Experian is unlawfully reporting a fraudulent XXXX XXXX credit card account ( XXXX XXXX  ) that I never opened or used. 

I have submitted multiple disputes with full documentation, including : My government-issued photo ID Proof of my current address A police report from my local department documenting identity theft An FTC Identity Theft Report Evidence that I am XXXX of the victims included in the XXXX class action lawsuit stemming from the 2017 breach, which exposed sensitive personal data used to open this account. 

Despite all of this, Experian has twice returned verified results stating the account remains yet never provided any evidence or validation, nor disclosed how the account was verified. 

II. Experians Pattern of Misconduct Experian used automated XXXX coding to communicate with XXXX XXXX, simply asking is this correct? and accepting a yes without any supporting documents or due diligence. 

No representative reviewed the documentation I submitted. 

I was given contradictory information by Experian agents : One supervisor ( XXXX ) confirmed on a recorded call that all documents were on file and they would correct and have my address on file within 3 days -she confirmed they had my actaul driver licese with the correct address and ftc report in hand. ( recorded call transcript is attached ) A later representative said nothing had been received after they had revoked my access to my own credit file. ( recorded call transcript attached ) XXXX. Impact on My Life Due to Experians refusal to remove this fraudulent account : My credit score dropped from XXXX to XXXX I lost a {$480000.00} mortgage approval, and the chance to purchase a home for my family My family was forced to live in temporary housing ( a hotel ), costing over {$15000.00} My children were forced out of their school district I was denied access to monitor my own Experian report, violating FCRA 609 The stress and reputational harm have caused emotional and psychological distress IV. Legal Violations Experian Violated the Following Laws : FCRA 605B Failure to block information after identity theft documentation FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 7 ) Failure to disclose how verification was performed FCRA 609 ( a ) Denial of access to my credit file FCRA 610 Failure to disclose information relied on in dispute FCRA 616 & 617 Willful and negligent noncompliance UDAAP ( 12 U.S.C. 5531 ) Deceptive and unfair acts, including : Using breached XXXX data to verify accounts Reporting unverifiable information Refusing to allow a consumer to monitor her credit XXXX XXXX Violated the Following : FCRA 623 ( b ) Failure to investigate dispute Failure to validate the account or provide proof ( no signed application or agreement ) V. What I Am Requesting I am formally requesting that the CFPB rule in my favor and require : Immediate deletion of the fraudulent XXXX XXXX account from my Experian credit file Restoration of my full access to my Experian report and online portal A written explanation of the verification method used Financial restitution and/or civil penalty for : Mortgage loss Relocation and hotel costs Emotional distress Credit score damage and reputational harm A formal enforcement investigation into Experian and XXXX XXXX handling of disputes involving identity theft, misuse of breached data, and systemic failure to follow the law VI. Documents Available in the attachments section : Written transcripts verfying experian reps lied to me and hindered my life and defamed my character ( all recorded calls our on transcription ) I have the audio recording of all calls to experian which I can present in court if I decide to sue experian. 

FTC Identity Theft Affidavit Police report Proof of address and ID Screenshots of Experian denial and blocked access Experian dispute results Proof of credit score drop and housing denial Evidence of XXXX breach inclusion XXXX XXXX - Cease and Desist Fraudulent Account Reporting _________________________________________________________ Legal Consequences for Non-Compliance : If this account is not removed immediately, I will pursue full damages under the Fair Credit Reporting Act ( FCRA ) and UDAAP statutes, including : {$480000.00} in actual damages related to the loss of a real estate transaction Punitive damages for willful and negligent noncompliance Emotional distress, reputational harm, and relocation expenses Attorneys fees and court costs I am prepared to retain XXXX XXXX XXXX and will initiate legal proceedings against XXXX XXXX in federal court if this matter is not resolved.

Continued reporting of this fraudulent account may constitute a willful violation of FCRA 623, and I reserve all rights to seek maximum legal remedies.

This Is Your Final Opportunity to Comply.

Failure to respond or resolve this matter within 15 calendar days will result in : Formal legal action Additional complaints filed with the CFPB, Georgia Attorney General, and media outlets Submitted By : 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