Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Response to Unauthorized Request Notice / FCRA 605B Identity Theft Dispute. 
This letter serves as my formal response to your notice alleging that my prior request did not come from me or someone Ive authorized. That statement is false. I am the direct consumer who filed the original FCRA 605B identity theft dispute letter, and this correspondence is being submitted personally and directly by me. No third-party or credit repair agency is involved. To eliminate any further confusion or delay, enclosed are the following documents verifying my identity : A government-issued identification ( drivers license/state ID ). Proof of current address ( utility bill or bank statement ). A copy of my identity report showing the fraudulent accounts and inquiries in question. I am demanding immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), which requires that consumer reporting agencies block and remove all information resulting from identity theft within four ( 4 ) business days of receiving a valid request and identity verification. The following fraudulent and unauthorized accounts appear on my TransUnion consumer credit file and must be blocked, deleted, and permanently removed : XXXX Opened on XX/XX/XXXX Several potential negative late payments. XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Several negative late payments. XXXX XXXX Opened on XX/XX/XXXX Several late payments. XXXX Opened on XX/XX/XXXX Several negative late payments XXXX XXXX Opened on XX/XX/XXXX Several late payments. 
XXXX  Opened on XX/XX/XXXX Several late payments. XXXX XXXX BANK Opened on XX/XX/XXXX Several negative late payments. 
XXXX XXXX XXXX XX/XX/XXXX Several negative late payments. XXXX XXXX XXXX  Opened on XX/XX/XXXX Several negative late payments. 
XXXX  XXXX BANK Opened on XX/XX/XXXX Several negative late payments. 
XXXX XXXX Opened on XX/XX/XXXX Several negative late payments. XXXX XXXX Opened on XX/XX/XXXX Several negative late payments. XXXX Opened on XX/XX/XXXX Several negative late payments. 
XXXX  XXXX BANK Opened on XX/XX/XXXX Several negative late payments. 
XXXX XXXX BANK Opened on XX/XX/XXXX Several negative late payments. I remind you that under FCRA 609 ( a ) ( 1 ) and 611 ( a ), you are required to maintain reasonable procedures to ensure maximum possible accuracy of information in my credit file. This includes manual verification using actual documentation bearing my signature not reliance on automated or third-party systems. I do not consent to the use of automated verification systems such as E-Oscar or the Automated Consumer Dispute Verification ( ACDV ) system, as these methods prevent you from considering all documentation I have provided. I also do not authorize the outsourcing of this investigation to any foreign or third-party processing centers. Under FCRA 605B ( c ) ( 1 ), you are legally required to block and remove all information resulting from identity theft within four ( 4 ) business days after receiving proper identification and a valid request. Please also notify each furnisher that reported the fraudulent items that they have been identified as such, and provide me with written confirmation once these actions are completed.

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