Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint against TransUnion, XXXX for failing to properly investigate and correct fraudulent information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and supporting documentation, TransUnion continues to report accounts that do not belong to me. As a direct result, I have been denied a mortgage to purchase a home, denied employment, and have suffered significant financial and emotional harm. 

I am a documented victim of fraud and identity theft. I have already provided TransUnion with the following : My FTC Identity Theft report A police report documenting the identity theft My XXXX report A signed statement/affidavit explaining that I am a victim of fraud and identity theft, with details of the fraudulent activity Even after receiving this documentation, TransUnion has refused to delete the fraudulent accounts. Instead, they have verified and continued to report them, which I believe is a failure to conduct a reasonable reinvestigation under the FCRA and a failure to properly block identity-theftrelated information. 

Because of these inaccurate and fraudulent tradelines : I was denied the opportunity to purchase a home when my mortgage application was rejected based on my TransUnion credit report. 
I was also denied a job when an employer used my TransUnion report as part of their background screening. 
In total, I have been denied approximately {$450000.00} in credit due to these errors. 


This situation has created a heavy burden on me and my family. I have been unable to move forward with securing stable housing and employment opportunities, and I continue to suffer stress, anxiety, and financial hardship while TransUnion refuses to correct information that I have repeatedly shown to be fraudulent. 

I respectfully request that the CFPB : Investigate TransUnions handling of my disputes and their failure to comply with the FCRA. 
Require TransUnion to immediately delete the following fraudulent accounts from my credit file : XXXXXXXX XXXX  Account number ending in XXXX Approximate balance {$51000.00}, original balance {$64000.00}, showing multiple late payments. 
MUNCPL ECU Account number ending in XXXX Approximate balance {$20000.00}, original balance {$39000.00}. 
XXXX Account number ending in XXXX XXXX {$900.00}, listed as paid/closed but not mine. 

( If needed, I can provide full account numbers and additional documentation directly to the CFPB. ) Require TransUnion to send me an updated and corrected credit report by mail to : XXXX XXXX XXXX XXXX, XXXX, MD XXXX Require TransUnion to send corrected information to any creditors, employers, or other parties that recently obtained my inaccurate report, so the damage to my reputation and creditworthiness can be mitigated. 


Attached to this complaint, I am including copies of : My FTC Identity Theft report My police report My XXXX report Prior dispute letters and correspondence with TransUnion Copies of denial letters/notices for the mortgage and job applications Copies of my credit reports highlighting the fraudulent accounts I am requesting the XXXX assistance to ensure that TransUnion finally complies with federal law, removes these fraudulent accounts, and restores the accuracy of my credit file. 

Thank you for your time, attention, and help in resolving this matter.

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