Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am the victim of identity theft. I submitted full dispute packages to Equifax, Experian, and TransUnion including : Government-issued photo ID Social Security card Proof of address ( XXXX XXXX XXXX bill ) Signed Identity Theft Declaration Full list of XXXX fraudulent accounts with dates, balances, and actions requested These documents were submitted in accordance with the Fair Credit Reporting Act ( FCRA ) specifically 605B ( identity theft blocking ), 611 ( reinvestigation ), and 609 ( verification of information ). Despite this, the bureaus have failed to block or delete the fraudulent accounts within the required XXXX business days, and have not provided timely reinvestigation responses. 

Violations Committed : 605B Failure to block fraudulent accounts within XXXX business days 611 Failure to complete reinvestigation within XXXX  days 604 Failure to remove inquiries with no permissible purpose 609 Failure to verify accounts with proper documentation 611 ( a ) ( 5 ) ( B ) Failure to prevent reinsertion without full notice Full List of Fraudulent Accounts : XXXX XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Delete due to identity theft XXXX  XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$340.00} Remove late payment ( XX/XX/XXXX ) XXXX  XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$750.00} Delete due to identity theft XXXX  XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$260.00} Delete due to identity theft XXXX  XXXX  Acct # XXXX Opened : XX/XX/XXXX Balance : {$6400.00} Delete due to identity theft XXXX XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$2000.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$1100.00} Delete due to identity theft XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$300.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$160.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$160.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$510.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$8900.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$1000.00} Delete due to identity theft XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$1600.00} Delete due to identity theft XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$1900.00} Delete due to identity theft XXXX XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$41.00} Delete due to identity theft XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$2100.00} Delete due to identity theft

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