Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
Consumer Complaint Narrative I am submitting this complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ) related to identity theft, failure to block fraudulent information, inaccurate public-record reporting, and failure to ensure maximum possible accuracy. 

I am a documented victim of identity theft, as confirmed by FTC Identity-Theft Report # XXXX. In addition, I am a victim of labor trafficking, as defined under Section 107 ( b ) ( 1 ) ( E ) of the Trafficking Victims Protection Act ( 22 U.S.C. 7105 ( b ) ( 1 ) ( E ) ). During the period of exploitation, I lost control over my employment, finances, and personal identifying information. My identity was compromised and exposed to unauthorized use without my knowledge or consent.

As a result of this identity compromise, TransUnion is reporting inaccurate, unauthorized, mixed-file, or unverifiable information on my consumer report.

Despite being provided notice and documentation, TransUnion has continued to report the following disputed items without lawful verification : 1. Unauthorized Hard Inquiries TransUnion is reporting multiple hard inquiries that I did not authorize. Given my documented identity-theft status and trafficking-related identity compromise, any inquiry lacking strict proof of permissible purpose must be deleted or blocked. 

I requested the Method of Verification ( MOV ) for each inquiry, including permissible-purpose codes, member numbers, signed authorizations, and device/IP logs where applicable. To date, TransUnion has failed to provide competent verification. 

2. Inaccurate Bankruptcy Reporting ( Public Record ) TransUnion is reporting a XXXX  XXXX bankruptcy ( Reference # XXXX ) allegedly filed on XX/XX/year> and dismissed on XX/XX/year>. 

This bankruptcy is disputed under FCRA 607 ( b ), 609 ( a ), 611, and 605B due to : Lack of first-party, court-certified verification Risk of mixed-file or misattribution Identity compromise during a period of labor trafficking Courts do not furnish data directly to consumer reporting agencies. Bankruptcy data is obtained through third-party public-record vendors. Any public-record information that lacks court-certified documentation and a full, accurate identity match fails the FCRAs maximum possible accuracy requirement. 

Because my identity was compromised during the timeframe in which this bankruptcy was allegedly filed, TransUnion must verify this item using competent, first-party documentation and disclose the exact source and identity-matching methodology used. If it can not do so, the bankruptcy can not legally remain on my credit report. 

XXXX. Failure to Block Identity-Theft-Related Information Under 15 U.S.C. 1681c-2 ( FCRA 605B ), TransUnion is required to block any tradeline, inquiry, or public record resulting from identity theft. 

This requirement is heightened where identity compromise occurred during labor trafficking exploitation, which involved loss of financial autonomy and control over personal identifying information. 

TransUnion has failed to fully block all identity-theft-related items and has not provided written confirmation identifying : Each blocked item Dates of blocking or removal Downstream users notified of corrections This failure exposes me to ongoing harm and violates the mandatory blocking provisions of the FCRA.

Laws Violated 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block identity-theft-related information 15 U.S.C. 1681e ( b ) ( 607 ( b ) ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681g ( 609 ) Failure to disclose sources and verification 15 U.S.C. 1681i ( 611 ) Failure to conduct a reasonable reinvestigation

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 explanation