Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SS # XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Ongoing Dispute of Fraudulent and Inconsistent Information Dear TransUnion, I am writing again to formally dispute several accounts that continue to appear on my credit report. I have submitted disputes to your office multiple times since XXXX, and the same inaccurate and fraudulent items remain. I am a confirmed victim of identity theft, documented in a police report. 
I have already submitted a full FTC Identity Theft Report and Affidavit, along with supporting documentation, in previous disputes. Unfortunately, it appears that report was ignored, and the fraudulent accounts were never blocked or removed. The Fair Credit Reporting Act requires your agency to take action once such documentation has been provided, and failure to do so constitutes noncompliance. 
Under the Fair Credit Reporting Act, you are required to block and delete any information that results from identity theft within XXXX business days of receiving valid documentation. The following accounts were not authorized by me and must be removed immediately : XXXX. XXXX XXXX Account ending XXXX XXXX. XXXX XXXX XXXX Account ending XXXX XXXX. XXXX. XXXX XXXX Account ending XXXX XXXX. XXXX XXXX XXXX Account ending XXXX XXXX. XXXX XXXX / XXXX Account ending XXXX XXXX. XXXX XXXX XXXX ( XXXX ) Account ending XXXX In addition, your bureau is reporting inconsistent and inaccurate information that differs from both Experian and Equifax. Specifically : XXXXXXXX XXXX XXXX XXXX You continue to report this account as charged off, with updates through XX/XX/XXXX, even though it was closed in XXXX. This constitutes re-aging of a closed account and violates FCRA 607 ( b ). 
XXXX XXXX : You are reporting this account as charged off and still updating monthly, while XXXX  lists XXXX versions of the same account and XXXX  shows it as closed. 
XXXX XXXX XXXX XXXX This account shows as charged off with an ongoing balance of {$22000.00}, though it was closed in XX/XX/XXXX. The same account is listed differently on other reports. 
XXXX XXXX / XXXX : This collection account is missing from XXXX  but active on your file meaning the data can not be fully verified. 
XXXX XXXX XXXX XXXX Listed inconsistently compared to XXXX  and XXXX, with conflicting open and update dates. 
Outdated Personal Information : Your file includes old addresses and variations of my name from states I have never lived in. These must be deleted immediately. 
These discrepancies clearly demonstrate that the data you maintain is neither accurate nor complete as required under the Fair Credit Reporting Act. Any item that can not be fully verified must be removed without delay. 
If these accounts and inaccuracies are not removed or properly verified within the legal timeframe, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and escalate this matter to the Office of the Attorney General for investigation into your continued noncompliance with the Fair Credit Reporting Act. 
I have enclosed copies of my government-issued ID, proof of my current address, my FTC Identity Theft Report Affidavit and police reports again for your reference. Please send written confirmation once these deletions and corrections have been completed. You may contact me at the phone number or email listed above if additional verification is needed. 

Sincerely, XXXX XXXX XXXX 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 non-monetary relief