Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute False U.S. Bankruptcy & Fraudulent Collection Account Reporting on TransUnion Credit Report Dear TransUnion Dispute Department, I am writing to file an urgent and legally supported dispute regarding two serious inaccuracies currently being reported on my TransUnion credit file : A U.S. XXXX XXXX Bankruptcy that does not belong to me A fraudulent collection account from XXXX XXXX XXXX XXXX XXXX related to identity theft 1. FALSE XXXX XXXX BANKRUPTCY ENTRY Reference Number : XXXX Date Filed : XX/XX/XXXX Asset Amount : {$0.00} Status : Dismissed/Closed I have been repeatedly told by TransUnion representatives in the Consumer Fraud Special Handling Department that this bankruptcy was validated through my XXXX consumer report. I now have a copy of my XXXX report, and it clearly shows that there is no bankruptcy of any kind reporting on my file. I have also confirmed this same absence with XXXX XXXX and XXXXone of which are reporting any bankruptcy. 

I have no debt, no history of default, and have never filed for bankruptcy. A consumer only files bankruptcy when there is an inability to pay back owed debts. That does not apply to me. TransUnions continued reporting of this entry is a willful violation of the Fair Credit Reporting Act ( FCRA ). 

Applicable Violations : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to investigate disputed items with proper documentation 15 U.S.C. 1681c-2 Failure to block unverifiable or identity theft-related information 15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance I am attaching a screenshot of the XXXX bankruptcy section showing there is no bankruptcy on file. I demand that this erroneous public record be immediately and permanently deleted from my TransUnion credit report. 

2. FRAUDULENT COLLECTION ACCOUNT XXXX XXXX XXXX XXXX XXXX ( {$8000.00} ) This collection account is also not mine. It is the result of identity theft, and I have already provided TransUnion with all legally required documentation to have it permanently blocked, including : Copy of my government-issued ID Social Security card Recent utility bill Identity theft police report filed with XXXX ( XX/XX/XXXX ) FTC Identity Theft Affidavit Officers business card who approved and verified the police report This fraudulent account is not reporting on : XXXX XXXX XXXX XXXX XXXX  TransUnion continues to report it despite full compliance with the FCRA identity theft provisions. 

Required Documents Per FCRA 15 U.S.C. 1681c-2 : To have fraudulent data blocked under FCRA, the consumer must submit : A copy of a government-issued ID Proof of address ( utility bill or similar ) A valid identity theft report ( e.g., police report or FTC affidavit ) A written request to block the disputed item I have submitted all of the above. TransUnion has no legal standing to continue reporting this debt. You are in direct violation of your obligations under the FCRA. 

FINAL DEMAND I am formally demanding that TransUnion : 1. Permanently delete the false U.S. Bankruptcy listing ( Ref : XXXX ) 2. Permanently block and delete the XXXX XXXX XXXX XXXX XXXX collection account ( {$8000.00} ) 3. Provide written confirmation within the time permitted under the FCRA ( 15 U.S.C. 1681i ( a ) ) not to exceed 30 days 4. Prevent any future reinsertion of these items unless full verification per 15 U.S.C. 1681 ( a ) ( 5 ) ( B ) is documented and disclosed If you do not comply, I will be forced to escalate this matter legally, including but not limited to : Filing complaints with the CFPB and FTC Pursuing civil litigation for statutory and actual damages Seeking injunctive relief and attorneys fees for ongoing FCRA violations I urge TransUnion to review this matter immediately and act in full compliance with federal law. 

Sincerely, XXXX XXXX XXXX Enclosures : Screenshot of XXXX Bankruptcy Section Identity Theft Police Report FTC ID Theft Affidavit ID, SSN Card, Utility Bill Officers Business Card ( XXXX XX/XX/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