Consumer complaint received 2025-11-14 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: NV

Complaint narrative:
CFPB COMPLAINT STATEMENT EXTENDED VERSION Consumer : XXXX XXXX  I, XXXX XXXX  am filing this complaint because XXXX XXXX XXXX XXXX is inaccurately reporting a fraudulent collection account in my name for {$1300.00}, allegedly owed to XXXX XXXX XXXX, with an opened date of XX/XX/year>. 

I want to clearly state that I did not open this account, I did not authorize this account, and I never lived at, stayed at, or conducted any business with XXXX XXXX XXXX. This debt is 100 % fraudulent, and I have been a victim of identity theft.

Additionally, my name, personal information, and sensitive data were exposed in a data breach, which has caused unauthorized accounts to be opened in my name without my knowledge or consent. Because my information was compromised, this fraudulent account was created using stolen data, not my authorization.

DETAILS OF THE FRAUDULENT ACCOUNT Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Reported Balance : {$1300.00} Highest Balance : {$1200.00} Account Type : Derogatory / Placed for Collection Status : Open Opened : XX/XX/year> Responsibility : Individual I, XXXX XXXX, did not authorize or benefit from any goods, services, rental agreements, or transactions connected to this alleged debt. 

WHY THIS IS IDENTITY THEFT My personal data was compromised in a documented data breach, and I have since been experiencing fraudulent activity under my name. The XXXX XXXX XXXX account is one of the unauthorized accounts opened using my stolen identity.

Because I never stayed there, never applied for anything, never signed any contract, and never received any service from them, this is clearly identity theft.

The collection agency has failed to provide any form of validation, including : No signed lease No application No identification No documentation No proof of my authorization Despite this, the collector continues to report this as an active, valid debt.

LAWS BEING VIOLATED ( DETAILED ) FCRA Violations 1. FCRA 602 Purpose & Accuracy Requirements The furnisher is required to ensure maximum possible accuracy when reporting information. Reporting identity-theft information is a direct violation.

2. FCRA 605B Mandatory Blocking of Identity Theft Information Under 15 U.S.C. 1681c-2, once a consumer reports identity theft, the furnisher and credit bureaus must block the fraudulent account within 4 business days. They have not done this.

3. FCRA 611 Failure to Reinvestigate The agency failed to conduct a reasonable investigation after I disputed the account.

4. FCRA 623 ( a ) ( 3 ) Reporting Information They Know is False They were notified in writing that this account is fraudulent. Continuing to report it violates federal law.

5. FCRA 623 ( b ) Furnishers Duty to Investigate After Notice Once notified by a consumer or credit bureau, the furnisher must : Investigate Verify Modify or delete They did none of these.

6. FCRA 616 & 617 Civil Liability Willful or negligent noncompliance makes the furnisher financially liable.

FDCPA Violations ( XXXX XXXX XXXX XXXX ) 1. FDCPA 807 False, Deceptive, Misleading Representations Attempting to collect a debt that I, XXXX XXXX, do not owe is a misrepresentation. 

2. FDCPA 808 Unfair and Unconscionable Means Continuing to collect identity theft debt is abusive and illegal.

3. FDCPA 809 ( b ) Validation of Debts They are required to cease all collection activity until valid documentation is provided. Instead, they continue reporting the account without providing proof.

HOW THIS HAS AFFECTED ME ( IMPACT STATEMENT ) Because my personal information was stolen in a data breach and used to create fraudulent accounts in my name, including this XXXX XXXX XXXX account : My credit score has been negatively impacted.

My ability to apply for credit, housing, banking, and essential financial services has been harmed.

I am now forced to spend time, effort, and resources disputing a debt that is not mine.

This situation has caused ongoing stress and hardship.

As a consumer and identity theft victim, I should not be forced to suffer because a company continues to report fraudulent information. 

REQUESTED ACTIONS BY CFPB I, XXXX XXXX, request that the CFPB require XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to : Immediately delete and permanently remove the fraudulent {$1300.00} collection account from all credit reports TransUnion Cease all collection activity, calls, letters, and attempts to collect this fraudulent debt.

Provide proof of contract, signature, lease, application, or any document showing I opened this account ( which does not exist ).

Correct and update all credit bureau reports to reflect the deletion of the fraudulent item.

Ensure compliance with all FCRA and FDCPA requirements.

This account was created through identity theft caused by a data breach that exposed my name and information. This debt is not mine, and I need it removed immediately.

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