Consumer complaint received 2025-04-28 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:
I am filing this complaint against TransUnion, LLC for persistent and unlawful furnishing of fraudulent information, despite multiple identity theft filings, FTC reports, supporting evidence, and disputes submitted by me over the course of multiple years.

Their actions violate the Fair Credit Reporting Act ( FCRA ), prior CFPB enforcement orders, and amount to willful negligence and systemic misconduct toward me as a consumer and identity theft victim.

Details of the Fraudulent Activity : Victim of Identity Theft since approximately early XXXX Multiple fraudulent accounts reported by TransUnion despite disputes, including : Bank XXXX XXXX XXXX credit card XXXX XXXX via XXXX XXXX XXXX fraudulent collection XXXX XXXX fraudulent telecommunications account Multiple fraudulent hard inquiries listed, including inquiries by XXXX XXXX  Consolidated, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others without my knowledge or consent Fraudulent addresses, such as listings from XXXX, TX, XXXX associated XXXX my profile Fraudulent employer information listed without my consent I submitted to TransUnion : Multiple FTC Identity Theft Reports Law enforcement reports and sworn affidavits Dispute letters under FCRA XXXX Notice of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, proving my personal identifying information was stolen and misused. 

Despite providing more than sufficient evidence under the FCRA to block, delete, and cease reporting fraudulent information, TransUnion has failed or refused to act lawfully.

Violations of Federal Law by TransUnion : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : TransUnion is obligated to block reporting of information resulting from identity theft within four business days of receiving an identity theft report. 
Despite receiving my FTC Identity Theft Reports and supporting documentation, they continued to report fraudulent accounts and inquiries for months ( and years ) thereafter.

2. FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : Requires TransUnion to reinvestigate disputed information. Instead, my disputes were summarily closed or ignored, with no meaningful investigation performed.

3. FCRA 623 ( a ) ( 6 ) : Furnishers and credit bureaus must not continue reporting fraudulent information after being notified by the consumer and provided proof. TransUnion knowingly allowed false tradelines and inquiries to persist, in reckless disregard of my rights.

4. FCRA 604 ( a ) ( 2 ) and 1681b ( f ) : Unauthorized inquiries were placed on my credit report without permissible purpose. TransUnion had a duty to recognize the identity theft pattern and correct/remove these inquiries after notification. 5. CFPB Consent Orders & Enforcement Actio
ns : TransUnion has an established history of CFPB enforcement actions for deceptive practices and unlawful credit reporting, including : XXXX  CFPB Consent Order ( XXXX XXXX XXXX XXXX  : TransUnion was fined millions for misrepresenting credit scores and failing to correct information after consumer disputes. 
XXXX CFPB Action Against TransUnion : TransUnion and its executives were again fined and penalized for violating the XXXX consent order, engaging in deceptive marketing, inadequate dispute handling, and failing to honor consumer rights under the FCRA. 

Given these repeat offenses, it is clear that TransUnion operates with systemic disregard for consumer protection laws and continues to violate both the letter and spirit of the FCRA. 



Harm Suffered : As a direct result of TransUnions unlawful and negligent reporting : My credit scores have been significantly damaged I have been denied legitimate credit opportunities, including auto loans and personal financing I have incurred higher insurance costs and been offered predatory lending terms I have suffered mental anguish, financial harm, and extreme emotional distress I have been forced to spend substantial time, resources, and labor trying to correct their errors The ongoing false information severely impairs my financial life and violates my statutory rights under federal law.

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