Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone : XXXX Email : XXXX [ Date ] TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : URGENT : Identity Theft Dispute and Demand for Removal of ALL Fraudulent Credit, Banking ( XXXX  ) , and Inquiry Entries FCRA Section 605B Mandate Dear TransUnion Consumer Relations, I am writing to formally dispute and demand the permanent suppression and removal of all fraudulent, inaccurate, and unverifiable entries on my consumer report, as listed below. I am a documented victim of identity theft, and all these disputed items are the direct result of a malicious attack on my identity which has caused notorious negative consequences.

My demand for removal is supported by the attached official FTC Identity Theft Reports and my specialized consumer files from XXXX XXXX and XXXX XXXX XXXX ( XXXX  ), which corroborate the underlying fraud and document the correction of these items. 
My Identifying Information * Full Name : XXXX XXXX XXXX * Date of Birth : XX/XX/XXXXXXXX XXXX  Social Security Number ( Last 4 ) : XXXX ( Full SSN provided in attachments ) * WA State ID : XXXX Fraudulent and Disputed Items from My TransUnion Report The following specific entries from my TransUnion consumer report are disputed as fraudulent or inaccurate and must be permanently removed under FCRA Section 605B : | Entry Name/Creditor | Account Number/Details | Type of Entry | Reason for Dispute ( Confirmed by FTC/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX | Fraudulent Credit Card | XXXX  listed as fraudulent in FTC Report # XXXX. | | XXXX  XXXX | Unauthorized accounts/applications | Fraudulent Credit Account | XXXX  listed as fraudulent in FTC Report XXXX XXXX. | | XXXX  | Unauthorized accounts/applications | Fraudulent Credit Account | XXXX  listed as fraudulent in FTC Report XXXX XXXX. | | XXXX  Closure | 1 Paid XXXX  Closure in Last 5 Years | Negative Banking History | Directly linked to " Suspected banking blacklist placement '' in FTC Report # XXXX. | | XXXX Inquiries | 18 Inquiries in Last 3 Years | High-Volume Banking Inquiries | Strong indicator of unauthorized banking applications due to ID Theft. | | XXXX  XXXX | Inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. | Hard/Soft Inquiries | Associated with the documented unauthorized XXXX XXXX XXXX  applications. | | TRANSUNION CONSUMER INTE | Inquiry on XX/XX/XXXX | Hard Inquiry | Unauthorized XXXX/Checking Account history check. | | XXXX XXXX XXXX XXXX  | Inquiry on XX/XX/XXXX | Hard Inquiry | Unauthorized inquiry resulting from ID Theft. | | XXXX  XXXX XXXX | Inquiry on XX/XX/XXXX | Hard Inquiry | Unauthorized inquiry resulting from ID Theft. | | XXXX XXXX | Inquiry on XX/XX/XXXX | Hard Inquiry | Unauthorized inquiry resulting from ID Theft. | | Incorrect Addresses | Any address other than XXXX XXXX XXXX XXXX XXXX | Personal Information | FTC reports confirm incorrect addresses were placed on my file as part of the fraud. | Basis for Removal ( FCRA & Specialized Banking Reports ) * Mandate under FCRA Section 605B : I have provided you with copies of my official FTC Identity Theft Reports ( Numbers : XXXX and XXXX ). Under the Fair Credit Reporting Act, you are legally required to permanently block the reporting of all information that resulted from this identity theft. 
* Corroboration by Specialized Banking Reports ( XXXX Correction  ) : The fraudulent banking entries and inquiries resulted from someone attacking my identity and causing notorious negative consequences. I have already taken action with the specialized consumer reporting agencies, and the fraudulent items have been removed or corrected from my XXXX  XXXX  and XXXX XXXX XXXX ( XXXX  ) files due to my identity theft claim. Therefore, any corresponding derogatory XXXX entries or inquiries on my TransUnion report are inaccurate, unverified, and must be permanently suppressed, as the source of the data has been cleansed. 
Demand for Action I demand that you comply with my rights under the FCRA/FACTA by taking the following steps : * Permanently Block and Delete all listed fraudulent accounts, inquiries, and incorrect addresses from my consumer file.

* Cease and Desist from further reporting these items.

* Confirm in writing the results of your investigation and the permanent removal/suppression of these fraudulent items.

Supporting Documentation Enclosed are copies of the following documents to support my claim : * Copy of my FTC Identity Theft Reports ( Numbers XXXX and XXXX ). 
* Copy of my XXXX XXXX Consumer Report ( summary showing XXXX Closure/Inquiries ). 
* Copy of my XXXX XXXX XXXX XXXX XXXX  ) File Disclosure or correspondence. 
* Proof of Identity : Copy of my State-Issued ID and Social Security Card .

* Copy of my TransUnion Credit Report ( with the disputed items clearly marked ).

Thank you for your immediate attention to this critical matter. 
Sincerely, XXXX XXXX XXXX ( Your Signature )

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