Consumer complaint received 2025-06-23 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:
I am submitting my FTC Identity Theft Report XXXX XXXX XXXXXXXX ) along with my government-issued ID, proof of address, and this written statement. I am a victim of identity theft and did not authorize the fraudulent credit card and collection accounts currently appearing on my TransUnion credit report. I have disputed these items multiple times, but they continue to be reported without documented validation or proper removal. Some accounts were marked closed but never deleted, which violates the Fair Credit Reporting Act ( FCRA ), including 1681c-2. Due to the FTC portals limitation of XXXX items per report, only a portion of the fraudulent accounts were listed in the original FTC filing. However, all XXXX accounts detailed below are part of the same identity theft event and are formally included in this dispute under FCRA 1681c-2 ( Section 605B ). I request that TransUnion treat this as a unified identity theft dispute and block all associated tradelines accordingly. Under Metro 2 credit reporting standards, data furnishers are required to report information with accuracy and integrity. Tradelines resulting from identity misuse or lacking verifiable contracts must not be verified without proper documentation. Additionally, no IRS Form XXXX Cancellation of Debt was issued for accounts with balances over {$600.00}, violating IRS reporting XXXX. The fraudulent accounts include XXXX XXXX XXXX with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$890.00} ; XXXX XXXX XXXX with accounts ending in XXXX XXXX XXXX XXXX, and XXXX XXXX, last reported XXXX and XX/XX/XXXX, with balances of {$1100.00}, {$620.00}, and {$580.00} respectively ; XXXX XXXX with account ending in XXXX XXXX, last reported XX/XX/XXXX, balance {$1900.00} ; XXXX XXXX with accounts ending in XXXX XXXX and XXXX XXXXXXXX, last reported XXXX and XX/XX/XXXX, with balances of {$2100.00} and {$3700.00} ; XXXX XXXX XXXXXXXX XXXX with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$580.00} ; XXXX XXXX XXXX XXXX XXXX with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$450.00} ; XXXX XXXX with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$630.00} ; XXXXXXXX XXXX XXXX XXXX XXXX with accounts ending in XXXX XXXXXXXX and XXXX XXXXXXXX, last reported XX/XX/XXXX, balances {$440.00} and {$500.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$3700.00} ; and XXXX XXXXXXXX XXXX with account ending in XXXX XXXX, last reported XX/XX/XXXX, balance {$820.00}. Please note that my personal information was exposed in the XXXXXXXX XXXX data breach, which increases the likelihood that these fraudulent accounts resulted from unauthorized use of my identity. Although this breach originated with another bureau, it raises a broader obligation among all credit reporting agencies to ensure consumer data is not used fraudulently or reported without proper substantiation. I am requesting the immediate and permanent deletion of these accounts from my TransUnion credit file under FCRA XXXX and written confirmation that none will be reinserted unless all requirements under 1681c-2 ( d ) are fully met. Any continued reporting or verification of these accounts without proper legal documentation may constitute willful noncompliance under FCRA 1681n and 1681o. I request a full investigation and written confirmation that each fraudulent tradeline has been blocked and will not be reinserted without my express written consent and full legal validation.

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