Consumer complaint received 2025-11-27 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: RI

Complaint narrative:
I am a victim of identity theft, and I have submitted disputes to Equifax and TransUnion regarding fraudulent accounts appearing on my credit reports. Despite providing the required documentation, including my FTC Identity Theft Report ( Report Number : XXXX, dated XX/XX/XXXXXXXX  ), these credit bureaus have failed to block and remove the erroneous information within the mandated timeframe under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block identity theft-related information within four business days of receiving a valid identity theft report. 
On XX/XX/XXXX, I sent formal dispute letters via fax and certified mail to both Equifax Information Services LLC ( XXXX XXXX XXXX XXXX GA XXXX ) and TransUnion LLC Consumer Dispute Center ( XXXX. XXXX XXXX, XXXX, PA XXXX ). These letters included copies of my FTC Identity Theft Report, my driver 's license, my Social Security card ( last four digits : XXXX ), and a recent bank statement to verify my identity. In the disputes, I specifically identified the following fraudulent accounts resulting from identity theft : On my Equifax report : XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) On my TransUnion report : XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) These appear to be related to the same unauthorized credit card opened in my name by the thief, as referenced in my FTC report ( company listed as " the company '' ). The accounts are negatively impacting my credit score, finances, and ability to obtain credit. I did not authorize these accounts or any associated inquiries, and my personal information was used without my consent, in violation of the Gramm-Leach-Bliley Act ( GLBA ) Section 502, which prohibits the disclosure of nonpublic personal information without consumer permission. 
Under FCRA 1681c-2, upon receipt of my identity theft report and supporting documentation, the bureaus were required to promptly block this information from my credit reports and notify the furnishers. They have not done so, nor have they provided any confirmation of compliance or investigation results. This failure constitutes a violation of my rights under federal law and has caused me ongoing harm, including financial stress and denied credit opportunities. 
I request that the CFPB investigate this matter and require Equifax and TransUnion to : Immediately block and permanently remove the identified fraudulent accounts and any related inquiries from my credit reports. 
Provide written confirmation of the removal and updated credit reports to me. 
Notify any furnishers of the information ( e.g., XXXX  and XXXX XXXX  ) that the data is blocked due to identity theft. 
Impose any appropriate penalties for non-compliance with FCRA requirements. 

I have attached copies of my FTC Identity Theft Report, the dispute letters sent to Equifax and TransUnion, my driver 's license, Social Security card, and bank statement as evidence. Thank you for your assistance in resolving this issue.

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