Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
Subject : TransUnion Failure to Comply with the Fair Credit Reporting Act ( FCRA ) Willful Non-Compliance, Identity Theft, and Improper Verification To Whom It May Concern : I am filing this complaint against TransUnion, LLC for systemic violations of the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 

Background I am a documented victim of identity theft. 

On XX/XX/XXXX, I submitted a dispute letter to TransUnion, accompanied by : A police report ( XXXX XXXX Police, Report # XXXX ). 

An FTC Identity Theft Affidavit. 

Proof of identity and address. 

Despite this, TransUnion continues to report fraudulent accounts, marked multiple accounts as verified as accurate without producing evidence, and failed to comply with blocking and verification requirements under the FCRA. 

Violations Failure to Block Fraudulent Information FCRA 605B Under 15 U.S.C. 1681c-2 ( FCRA 605B ), when a consumer submits an identity theft report, a consumer reporting agency must block reporting of the identified information within 4 business days. 

Despite my FTC affidavit and police report, TransUnion continues to report fraudulent tradelines including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others transunion dispute letter Transunion 99 TransUnions refusal constitutes a willful violation of 605B. 

Improper Reinvestigation FCRA 611 ( a ) Under 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information. 

TransUnions reinvestigation merely relied on the furnishers response, without obtaining original applications, contracts, or itemized statements. 

Courts have repeatedly held that parroting the furnishers response is not reasonable : XXXX v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) CRAs must go beyond the original source. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Furnishers must ensure accuracy before reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Failure to remove after notice creates liability. 

Failure to Provide Method of Verification FCRA 609 ( a ) ( 1 ) Under 15 U.S.C. 1681g ( a ) ( 1 ), I have the right to request the sources of information and method of verification. 

My dispute letter explicitly requested this ; TransUnion ignored the request. 

This omission deprives me of my statutory rights. 

Pattern of Willful Non-Compliance FCRA 616 & 617 TransUnions refusal to block, delete, or validate fraudulent accounts despite multiple identity theft reports constitutes willful non-compliance under 15 U.S.C. 1681n & 1681o. 

Remedies under these sections include actual damages, statutory damages, punitive damages, and attorneys fees.

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