Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this formal complaint under FCRA XXXX ( XXXX U.S.C. XXXX ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accountsspecifically, a collection with XXXX XXXX ( TU/EX ) under account number XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$2700.00} ; a collection with XXXX ( XXXX ) under account XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$8400.00} ; a collection with XXXX ( ALL ) under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$0.00} ; and a collection with XXXX OF XXXX ( ALL ) under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of $ XXXX were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report # XXXX & # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX  on XXXX under account number XXXX XXXX XXXX XXXX with a reported balance of {$2700.00} ; a collection account opened at XXXX on XXXX under account number XXXX XXXX XXXX XXXX XXXX with a reported balance of {$8400.00} ; a collection account opened at XXXX on XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$0.00} ; and a collection account opened at XXXX OF XXXX on XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$510.00}. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I demand removal from all consumer credit reports and cessation of all related collection activity pursuant to my rights under the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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