Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX! Wolf XXXX XXXX XXXX XXXX GA XXXX XXXX am writing to formally dispute and demand the immediate removal of the fraudulent collection account appearing on my credit report, which was reported by XXXX XXXX on behalf oXXXX XXXX XXXX XXXX XXXXXXXX XXXX I am a victim of identity theft connected to the Equifax and TransUnion data breaches, during which my personal information was compromised and used without my authorization. 

I have filed an FTC Identity Theft Report and a Consumer Financial Protection Bureau ( CFPB ) complaint documenting this fraud. Copies of these reports are enclosed for your records. 



ACCOUNT IN DISPUTE Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX * * * Balance Reported : {$830.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Collection / Charge-Off Bureaus Reporting : TransUnion ( XXXX ), Experian ( Closed ) BASIS FOR DISPUTE AND ERRORS IDENTIFIED XXXX. Fraudulent Origin : I never opened or authorized any account with XXXX XXXX XXXX XXXX. This account was established using stolen information, directly tied to my identity theft case. 
XXXX. Data Reporting Inconsistencies : The Date Opened ( XX/XX/XXXX ) and Date of Last Activity ( XX/XX/XXXX ) conflict with the accounts alleged age, showing activity after the account was supposedly inactive. 
TransUnion lists the account as open, while Experian lists it as closed this is a material inaccuracy under FCRA 611 ( a ).

The account shows as Placed for Collection with no payment record, indicating unverifiable data entry. 
XXXX. Failure to Verify Ownership : There is no evidence or signed documentation linking me to this debt. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate information ; unverifiable accounts must be deleted. 



XXXX XXXX SUPPORTING MY DISPUTE I am exercising my consumer rights under the following federal laws : 1. FCRA 604 ( a ) ( 3 ), 15 U.S.C. 1681b ( a ) ( 3 ) Credit information may only be furnished with a permissible purpose. Since I never authorized this account, no permissible purpose existed.

2. FCRA 605B, 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) Requires a credit bureau to block and remove all fraudulent information within XXXX ( XXXX ) business days of receiving proof of identity theft and supporting documents. 
XXXX. FCRA 611 ( a ), 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) Requires the bureau to reinvestigate and remove unverifiable or inaccurate information within 30 days. 
XXXX. FCRA 623 ( a ) ( 6 ) Prohibits furnishers XXXX XXXX XXXX or XXXX XXXX XXXX ) from reporting information they knowor should knowis the result of identity theft. 
XXXX. FACTA Identity Theft Red Flags Rule ( 16 CFR 681.2 ) Requires credit reporting agencies and furnishers to detect, prevent, and mitigate identity theft when notified of such incidents. 



CEASE AND DESIST DEMAND Pursuant to FCRA 605B ( c ) and 15 U.S.C. 1681c-2 ( c ), I am demanding that TransUnion, Experian, and XXXX XXXX immediately : XXXX. Cease and desist from reporting or sharing this account and any related data with third parties. 
2. Block and delete the fraudulent account and all related inquiries from my credit file.

3. Stop all collection activity related to this account under 15 U.S.C. 1692c ( c ) ( Fair Debt Collection Practices Act ). 
XXXX. Provide written confirmation within 30 days verifying the deletion and updated status of my credit report.

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