Consumer complaint received 2025-05-08 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/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Identity Theft Dispute Unauthorized Accounts Reporting on My TransUnion Credit Report Dear TransUnion and Consumer Financial Protection Bureau, I am writing to formally dispute several unauthorized and fraudulent accounts that are currently appearing on my TransUnion credit report, which I recently discovered after accessing my report through XXXX XXXX. I was shocked to see accounts listed under my name that I have never opened, authorized, or had any knowledge of. 

I am a hairstylist by profession and have operated primarily on a cash basis for most of my adult life. As a result, I have never previously relied on or needed credit, and I have never applied for credit cards, loans, or similar financial products. These tradelines are not mine, and their presence on my report is clearly a result of identity theft. 

I also recently learned that I have been the victim of multiple data breaches, including the well-documented XXXX breach , which likely contributed to the misuse of my personal information. The fraudulent use of my identity has led to the appearance of inaccurate and damaging tradelines on my credit filemisrepresenting both my character and financial standing. 

Legal Basis and Consumer Protection Rights Under Federal Law : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. The following laws are relevant to my dispute : 15 U.S.C. XXXX ( b ) Maximum Possible Accuracy TransUnion is required to implement and follow reasonable procedures to ensure the maximum possible accuracy of consumer credit reports. Reporting accounts not associated with my identity or opened without my consent violates this obligation. 
15 U.S.C. XXXXb Permissible Purpose No account or tradeline should be reported without a lawful and permissible purpose. These accounts were fraudulently opened and therefore violate this section of the FCRA. 
15 U.S.C. XXXX Blocking of Information Resulting from Identity Theft Upon receiving proof of identity theft, TransUnion must block all fraudulent information from reappearing on the credit report. The documentation I am providing meets the requirements of this section. 
Regulation XXXX Debt Collection Rule under the FDCPA If any of the disputed accounts are in collections, they must comply with Regulation XXXX which governs communication and debt validation standards. Reporting or pursuing collection on fraudulent accounts violates this rule. 
XXXX XXXX. XXXX Discharge of Invalid Obligations This statute supports my right to dispute and reject obligations not lawfully created under my name or Social Security number. 
15 U.S.C. XXXX & XXXX Civil Liability for Noncompliance Willful or negligent failure to comply with any FCRA requirement subjects TransUnion to actual damages, statutory damages, punitive damages, and legal costs. 

My Formal Requests : XXXX. Immediately and permanently delete all unauthorized accounts from my TransUnion credit file XXXX. Block these fraudulent accounts from being reinserted into my file at any point in the future XXXX. Provide me with written confirmation once these accounts are removed and blocked Disclose the names of the furnishers of these accounts and how the accounts were verified, if at all XXXX. Ensure that TransUnions practices moving forward remain fully compliant with FCRA and other applicable consumer protection laws Below is a list of the creditors that I would like to have permanently deleted from my Transunion Credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  This is not merely a dispute about inaccurate datait is a result of identity theft caused by systemic data security failures and a lack of proper consumer protection. I am requesting a thorough reinvestigation, a full resolution, and permanent corrective action in accordance with federal law. I trust that the Consumer Financial Protection Bureau will monitor this matter closely and ensure TransUnion fulfills its legal obligations. 

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