Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am filing a new complaint supported by new evidence, and this filing should not be treated as a duplicate of CFPB XXXXXXXX XXXX XXXXXXXX ( XXXX as of XX/XX/year> ). 

That earlier case involves a XXXX XXXX XXXXt tradeline referencing XXXX XXXX XXXX, which was found to be fraudulent and has now been removed from both my XXXX XXXX XXXX credit files following their reinvestigations. 

However, a new XXXX XXXX XXXX collection has now appeared on TransUnion, showing XXXX XXXX XXXX as the alleged original creditor with a {$1100.00} balance. This new account was added after my FTC Identity Theft Report ( XXXX XXXXXXXX ) was filed and accepted, along with verified government ID and proof of address. 

This proves that XXXX XXXX XXXX has reintroduced the same fraudulent debt under a different creditor name, and that TransUnion is now publishing that false information despite prior notice and supporting identity-theft documentation. 

Details of the Current TransUnion Reporting : Furnisher : XXXX XXXX XXXX XXXX. 

XXXX XXXX : XXXX XXXXXXXX XXXX. 

Balance : {$1100.00} ( equal to highest balance ). 

Status : XXXX XXXX. 

Remarks : Placed for collection ; Account information disputed by consumer. 

Opened : XX/XX/year>. 

Reported/Updated : XX/XX/year>. 

This tradeline is fraudulent, unverifiable, and inconsistent with both XXXX XXXX XXXX, which have already deleted the corresponding XXXXXXXX XXXX XXXX account XXXX 

XXXX continued publication of this account violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data-accuracy standards requiring uniform, verified, and non-duplicative reporting. 

Violations & Basis for Action : FCRA 605B ( 15 U.S.C. 1681c-2 ) : TransUnion failed to block identity-theft-related information within XXXX business days after receiving my valid FTC Identity Theft Report and verified identification. 

FCRA 607 ( b ) : TransUnion failed to ensure maximum possible accuracy by continuing to publish a XXXX collection linked to the same fraudulent debt already deleted by Equifax and Experian. 

FCRA 611 ( a ) ( 1 ) ( B ) : This constitutes a continued inaccuracy after notice, because the same {$1100.00} debt has reappeared under a different original creditor name ( XXXXXXXX XXXX XXXX instead of XXXX XXXX XXXX  ). 

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable or fraudulent accounts must be deleted ; TransUnion has not done so. 

FCRA 611 ( a ) ( 5 ) ( B ) : If TransUnion previously suppressed or deleted the earlier XXXX XXXX XXXX entry, re-reporting the same debt under XXXX XXXXXXXX XXXX is an unlawful reinsertion without the required five-day reinsertion notice. 

These XXXX conflicting XXXX entries first referencing XXXX XXXX XXXX then XXXX XXXXXXXX XXXX demonstrate systemic inaccuracy and non-compliance with FCRA obligations. 

Evidence on record : FTC Identity Theft Report ( XXXX XXXXXXXX ). 

Government ID and Proof of Address. 

XXXX XXXX XXXX credit reports showing deletion of the XXXX XXXX XXXX XXXXXXXX XXXX 

TransUnion report showing the remaining XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

CFPB confirmation showing Case XXXX XXXXXXXX is still processing as of XX/XX/year>. 

( Identification verification submitted with this new complaint and for this dispute processing ).

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