Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
TransUnion and Equifax are in violation of federal law, specifically 15 U.S.C. 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. I have never provided TransUnion and Equifax with written consent to report any information on my consumer file. No consent constitutes identity theft. 

I have attached an Identity Theft Report documenting that the following accounts and inquiries have been illegally furnished on my consumer report : - XXXX ; Date Reported : XX/XX/XXXX ; Balance : {$2300.00} ( TransUnion ) - XXXX ; Date Reported : XX/XX/XXXX ; Balance : {$3700.00} ( TransUnion ) - XXXX ; Date Reported : XX/XX/XXXX ; Balance : {$4900.00} ( TransUnion ) - XXXX ; Date Reported : XX/XX/XXXX ; Balance : {$2100.00} ( TransUnion ) - XXXX ; Date Reported : XX/XX/XXXX ; Balance : {$3800.00} ( TransUnion ) - XXXX ; Date Reported : XX/XX/XXXX ; Balance : {$2300.00} ( TransUnion ) - XXXX ; Date Reported : XX/XX/XXXX ; Balance : {$2300.00} ( Equifax ) XXXX XXXX  ; XXXX Reported : XX/XX/XXXX ; Balance : {$3700.00} ( Equifax ) - XXXX  XXXX Date Reported XXXX XX/XX/XXXX ; Balance : {$4900.00} ( Equifax ) - XXXX ; Date XXXX : XX/XX/XXXX ; Balance : {$2100.00} ( Equifax ) - XXXX  ; Date Reported : XX/XX/XXXX ; Balance : {$3800.00} ( Equifax ) - XXXX  ; Date Reported : XX/XX/XXXX ; XXXX : {$2300.00} ( Equifax ) - XXXXXXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX : {$1600.00} ( Equifax ) - XXXX XXXX ; Date Opened : XX/XX/XXXX ; Balance : {$870.00} ( Equifax ) Each bureau 's failure to remove these unauthorized accounts is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802. Specifically : TransUnion and Equifax have unlawfully disclosed my nonpublic personal information to third parties without my explicit consent in violation of 15 U.S.C. 6802 ( a ) & ( b ). TransUnion and Equifax never provided me with a clear and conspicuous opt-out notice before sharing my personal data. 

TransUnion and Equifax have conducted a fraudulent investigation, failing to properly verify the disputed accounts. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion and Equifax are required to conduct a reasonable reinvestigation, yet no direct interview or proper verification process was conducted with methe only authorized source of validation.

Pursuant to 15 U.S.C. 1681 ( a ) ( 1 ), which states that the banking system relies on fair and accurate consumer reports, Equifaxs actions have severely undermined my confidence in the financial system. If each bureau wishes to continue doing business with me, it must immediately correct these violations by removing all unauthorized accounts and information from my consumer file. 

Each bureau 's failure to remove these unauthorized accounts is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802. Specifically : TransUnion and Equifax have unlawfully disclosed my nonpublic personal information to third parties without my explicit consent in violation of 15 U.S.C. 6802 ( a ) & ( b ). TransUnion and Equifax never provided me with a clear and conspicuous opt-out notice before sharing my personal data. Equifax and TransUnion have violated 15 U.S.C. 1681 ( a ) ( 2 ) and 15 U.S.C 6802 by furnishing my credit report without my written consent and unlawfully disclosing my personal data. As a result of the negligence of TransUnion and Equifax, I '' m a victim of identity theft and this is severely damaging my creditworthiness. TransUnion and Equifax failed to conduct a proper investigation under 15 U.S.C. 1681i ( 1 ) ( 1 ) ( A ).

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