Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
Date : XX/XX/XXXX2025 TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Fraudulent Account XXXX  XXXX Acct. No. : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} To Whom It May Concern, I am writing to formally dispute an account being inaccurately reported on my TransUnion credit report. The account in question is listed under XXXX XXXX, Account No. XXXXXXXX XXXX XXXX with a balance of {$4600.00}. 

I do not recognize this account and have never applied for, opened, or authorized any account with XXXX XXXX. This is a clear case of identity theft. I have filed an FTC Identity Theft Affidavit, which is enclosed with this letter, along with a copy of my government-issued ID and proof of current residence. 

Under federal law, you are legally obligated to remove fraudulent information once sufficient evidence of identity theft has been provided. The following legal provisions apply to my dispute and compel immediate action : Relevant Consumer Protection Laws : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires that consumer reporting agencies block information resulting from identity theft within four business days of receiving a valid identity theft report.

15 U.S.C. 1681i : Requires reinvestigation of disputed information and mandates deletion if the information can not be verified as accurate. 15 U.S.C. 1681e ( b ) : Requires credit reporting agencie
s to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681b : Limits the permissible purposes for accessing or furnishing consumer reports; reporting a fraudulent or unauthorized account violates this section.

15 U.S.C. 1681 ( o ) : Establishes civil liability for willful noncompliance with FCRA requirements.

31 U.S.C. 5118 : Prohibits the enforcement of certain debts or obligations that conflict with federal monetary laws.

18 U.S.C. 1028A : Criminalizes aggravated identity theft and imposes penalties on entities that knowingly use or transmit stolen identity information.

15 U.S.C. 1681b-2 : Further limits the use of consumer report information in situations where consent was never given.

Formal Demand : Immediately and permanently delete the XXXX XXXX account ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX  ) in the amount of {$4600.00} from my TransUnion credit file. 
Provide written confirmation of the deletion within 15 business days. 
Notify XXXX XXXX that this account has been blocked and removed pursuant to FCRA 605B. 
Cease and desist from any further reporting of this fraudulent account on my credit file.

I am exercising my rights as a consumer under the Fair Credit Reporting Act, and failure to comply with these legal obligations will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for willful noncompliance under FCRA 616 and 617.

Enclosures : FTC Identity Theft Affidavit Copy of government-issued photo ID Proof of current address Sincerely, XXXX XXXX

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