Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
Demand for Immediate Deletion Fraudulent Account : XXXX XXXX Account Information- Creditor : XXXX XXXX Account Number : XXXX Timeline of Previous Disputes- TransUnion : XX/XX/XXXX CFPB # XXXX XX/XX/XXXX CFPB # XXXX XX/XX/XXXX CFPB # XXXX XXXX XXXX XXXXXX/XX/XXXX CFPB # XXXX XX/XX/XXXX CFPB # XXXX XX/XX/XXXX CFPB # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CFPB # XXXX XX/XX/XXXX Disputed, verified, and removed from XXXX report Fraud Alert : XX/XX/XXXX FTC Identity Theft Report # XXXX filed confirming that this Applied Bank account was opened and/or used fraudulently. 
Despite multiple disputes and an FTC Identity Theft Report, TransUnion continues to report this fraudulent account, in violation of federal law. 

Account Inaccuracies- XXXX TransUnion XXXX XXXX  and available data shows the following contradictions and inaccuracies : 1. Conflicting Account Status TransUnion : Derogatory XXXX  : Closed / Charged Off TU internal record previously listed Indeterminate 2. Conflicting Balance and Credit Limit TransUnion : Balance {$0.00} ( older data ) vs. {$180.00} ( current ) XXXX XXXX Balance {$180.00}, XXXX XXXX {$5000.00} TransUnion prior records : Credit Limit {$200.00} 3. Conflicting Closure Dates TransUnion : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ( no specific day listed ) XXXX. Conflicting Last Payment Dates TransUnion : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( inconsistent historic data ) XXXX. Impossible XXXX XXXX TransUnion : XXXX late count ( XXXX total late months XXXX XXXX XXXX XXXXXXXX potentially negative months mathematically impossible for the accounts lifespan. 
XXXX. Post-Closure Reporting Late/derogatory marks reported through XXXX, XXXX, and XXXX despite closure in XXXX. 
Federal Law Violations- XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) Identity Theft Deletion Requirement Requires deletion within XXXX business days after receiving a valid FTC report XXXX proof of identity, and details of the fraudulent account. You have had all of this since XX/XX/XXXX. 
2. FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Reinvestigation Multiple disputes ignored obvious contradictions listed above.

3. FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information Continuing to publish conflicting, unverifiable, and fraudulent data violates this section.

4. FCRA 623 ( b ) ( 1 ) Duty to Investigate and Correct Within 30 Days TransUnion has failed to correct or delete the information despite numerous disputes.

5. FCRA 623 ( a ) ( 5 ) Failure to Report Accurate Closure Date Closure dates are inconsistent and incomplete.

6. FCRA 623 ( a ) ( 6 ) Prohibition on Furnishing Fraudulent Information After Notice of Identity Theft Continuing to report after receiving an FTC Identity Theft Report violates this section.

7. FCRA 607 ( b ) Maximum Possible Accuracy Discrepancies in dates, balances, statuses, and delinquencies show this standard has not been met.

8. FCRA 602 ( A ) Purpose Clause Reporting mathematically impossible delinquency histories contradicts the stated purpose of the FCRA.

9. FACTA Red Flags Rule Identity theft evidence triggers mandatory blocking and heightened review ; failure to act violates this rule.

10. 15 U.S.C. 1681n & 1681o Civil Liability Continued willful or negligent noncompliance exposes TransUnion to statutory, actual, and punitive damages.

Formal Demand for Immediate Deletion- This account is fraudulent and has been confirmed as such by an FTC Identity Theft Report ( # XXXX ). TransUnion is legally required to delete and permanently remove this account within four business days of receiving such documentation. Your continued reporting is a willful violation of the FCRA, FACTA, and FDCPA and has caused measurable harm.

I am demanding immediate and permanent deletion of this account from my consumer file. Failure to comply will result in further CFPB complaints, a formal complaint to the FTCs Bureau of Consumer Protection, notification to my State Attorney General, and legal action seeking damages, statutory penalties, and attorneys fees.

Written confirmation of deletion is required within 15 days of receipt of this letter.

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