Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Demand for Immediate Block, Deletion, and Full Verification Disclosure for Identity Theft Account To Whom It May Concern : I am submitting this formal CFPB complaint against TransUnion for failing to block, delete, and properly investigate fraudulent information appearing on my credit file after notice of identity theft. The account at issue is : XXXX XXXX XXXX XXXX XXXX Fraudulent amount : {$2900.00} This account is the direct result of identity theft. I never opened this account, never authorized this account, and never signed any contract with this company. My FTC Identity Theft Report identifies this account as fraudulent and confirms I am a victim of identity theft. TransUnion has failed to comply with its duties under the Fair Credit Reporting Act. Upon receipt of proper identity theft documentation, including proof of identity and an Identity Theft Report, a consumer reporting agency must block the reporting of information resulting from identity theft within 4 business days. 15 U.S.C. 1681c-2 ( a ) states this requirement directly. TransUnion also has a duty to conduct a reasonable reinvestigation of disputed information, determine whether the information is inaccurate, and delete the item if it can not be verified within the statutory period under 15 U.S.C. 1681i ( a ). Further, TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports under 15 U.S.C. 1681e ( b ). Reporting identity theft information after receiving a valid identity theft report is inconsistent with maximum possible accuracy. An identity theft report under Regulation V includes a report alleging identity theft with as much specificity as the consumer can provide. The FTC Identity Theft Report falls within this framework. I am demanding the following : XXXX. Immediate permanent block and deletion of the XXXX XXXX XXXX XXXX XXXX account from my TransUnion credit file pursuant to 15 U.S.C. 1681c-2. XXXX. A full written explanation of TransUnions alleged investigation, including the method of verification used. XXXX. The complete details of the investigation, including : date and time of each verification step, the name, title, and contact information of every person or entity contacted, the exact documents relied upon, and how TransUnion concluded this fraudulent account belongs to me. XXXX. Copies of all documents used to verify this account, including any application, contract, signature, account-level records, billing records, lease records, account statements, or other competent evidence bearing my signature or direct authorization. XXXX. Full disclosure of any chain of assignment, chain of title, forward flow agreement, purchase agreement, transfer record, or other ownership documents relied upon to continue reporting this account. XXXX. Immediate cease and desist from further reporting, reinserting, or communicating this fraudulent account on my credit file. If TransUnion can not produce all requested documents and investigation details, then it has no lawful basis to continue reporting this account. In that event, I demand immediate deletion and permanent blocking. TransUnions failure to block and delete identity theft information after receipt of proper documentation is a serious violation of the FCRA, including but not limited to 15 U.S.C. 1681c-2, 1681i, and 1681e ( b ). If this matter is not corrected immediately, I am prepared to pursue legal action for statutory and actual damages for willful and negligent noncompliance. This complaint contains material that can not be adequately reduced to standard automated dispute codes. This matter requires a live human investigation and a full legal review. I demand a written response confirming permanent deletion and block of this fraudulent account. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX FTC Report No. 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 non-monetary relief