Consumer complaint received 2025-11-25 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: WA

Complaint narrative:
I am submitting this complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) arising from identity theft, illegal reinsertion of deleted information, failure to block fraudulent accounts, and continued reporting of unverifiable and compromised data. 

I am a confirmed identity-theft victim, as documented in my FTC Identity Theft Report # XXXX. My report details extensive and ongoing identity theft resulting from mail theft, stolen credit cards, unauthorized access to my XXXX and XXXX accounts, and fraudulent charges and attempted charges on accounts I never opened. My replacement card was also stolen before I ever received it. I have received numerous fraudulent calls from unknown collectors and call centers referencing accounts I do not recognize, which is also documented in my FTC report. 

Despite being provided with my FTC report, my government-issued ID, and proof of address, TransUnion has failed to block fraudulent information as required under FCRA 605B, failed to comply with reinvestigation duties under 611, and failed to provide any form of legal verification. Instead, TransUnion illegally reinserted a previously deleted fraudulent account onto my credit file, without providing the mandatory five-day reinsertion notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ). The only notice I received was a document stating that the account had been verified and ADDED back to your credit reportand this was AFTER reinsertion had already occurred. No advance notice, no certification from the furnisher, and no documentation were provided, making this reinsertion unlawful. 

Furthermore, I have repeatedly contacted the furnishers of the fraudulent accounts. None of the furnishers have provided any verification or documentation whatsoever. They have failed to produce : Signed applications Contracts Wet signatures Account histories Fraud investigation reports Authentication records Ownership records Itemized bills The statutory period for verification has long expired, and each furnisher is now in violation of FCRA 623 ( b ). I am no longer requesting verification. Due to their failure to respond and the unlawful reinsertion, I am demanding permanent deletion and permanent blocking of ALL fraudulent accounts and ALL fraudulent inquiries.

Fraudulent Accounts to Be Permanently Deleted and Permanently Blocked 1. XXXX / Card Services Fraudulent account attempted through compromised financial accounts 2. XXXX XXXX XXXX  ( XXXX ), XXXX. Fraudulent application/attempt ; never opened by me 3. XXXX XXXX XXXX XXXX XXXX Fraudulent account attempt ( documented in my FTC report ) 4. XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent account attempt ( documented in my FTC report ) 5. XXXX XXXX  Fraudulent charge account ; original and replacement card were stolen ; identity theft documented Additionally, TransUnion must permanently delete and block any collection accounts, derogatory items, or tradelines tied to misspelled versions of my name, such as : XXXX XXXX XXXX XXXX XXXX XXXX And any associated fraudulent addresses such as : XXXX XXXX XXXX XXXX, XXXX XXXX, WA Fraudulent Credit Inquiries to Be Permanently Deleted and Blocked 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX ( fraudulent inquiry ONLY ) These inquiries directly relate to the identity theft documented in my FTC report and must be permanently removed and blocked.

FCRA Violations Committed by TransUnion TransUnion has committed multiple violations, including : Illegal reinsertion of previously deleted data Failure to provide the 5-day reinsertion notice Failure to block fraudulent information within 4 business days ( 605B ) Failure to reinvestigate disputes ( 611 ( a ) ) Failure to provide Method of Verification ( 611 ( a ) ( 6 ) ) Continued reporting of data they knew or should have known was inaccurate ( 623 ( a ) ( 1 ) ( A ) ) Reporting data that furnishers refused to verify after repeated requests ( 623 ( b ) ) These actions have caused significant financial harm, XXXX XXXX, and ongoing exposure to fraudulent activity. 



Requested CFPB Enforcement Action I respectfully request that the CFPB order TransUnion to : 1. Immediately delete ALL fraudulent accounts and ALL fraudulent inquiries listed above.

2. Permanently block these items under FCRA 605B ( b ) to prevent ANY future reinsertion.

3. Provide a full written Method of Verification, including actual documentation they claim to have relied upon. 
4. Provide a written explanation for the illegal reinsertion and failure to send the 5-day notice.

5. Conduct a full reinvestigation and correct ALL identity-theft data on my credit file.

6. Remove ALL inaccurate, reinserted, compromised, or mis-attributed records tied to this identity theft incident.

TransUnions conduct has been negligent, harmful, and unlawful. I am requesting immediate CFPB intervention to enforce compliance with federal law and permanently correct my credit file.

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