Consumer complaint received 2025-08-14 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:
I am submitting this formal complaint against TransUnion for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXXXXXX XXXX account ( Account No. XXXX.... ), which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryTransUnion has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates TransUnion to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). 
The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Fraud Dispute Letter XX/XX/XXXX Sent Bureau Letter XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft XX/XX/XXXX Sent Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Regarding Identity Theft XX/XX/XXXX Sent ID Theft Non Compliance Letter XX/XX/XXXX Sent Continued Noncompliance with FCRA Final Demand for Deletion of Fraudulent Accounts XX/XX/XXXX Sent Formal Complaint and Demand for Immediate Compliance Violations of the FCRA and CCRAA XX/XX/XXXX Sent Demand for Original, Executed Contract Under FCRA 609 ( a ) ( 1 ) ( A ) These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. TransUnion has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law.

TransUnions continued reporting of the XXXX XXXX account after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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