Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
I am submitting this rebuttal in response to TransUnions claim that my dispute did not come from me or someone Ive authorized. This statement is incorrect. I am the individual who personally submitted the dispute, and I am attaching all required documents including my Social Security card, utility bill, and government-issued ID to verify my identity and confirm that the request is coming directly from me. 

This rebuttal also refers to previous case XXXX, which was closed improperly because TransUnion assumed the dispute was submitted by an unauthorized party. That assumption is false. I am the consumer, and I filed the dispute myself. 

To eliminate any further confusion, I am providing the following documents : Government-issued ID ( for identity verification ) Social Security card ( to confirm my SSN ) Utility bill ( to verify my current address ) These documents clearly prove that I am the person submitting this request and that the dispute originated from me, not from a credit repair company or any third party. I did not authorize anyone else to act on my behalf.

Despite this, TransUnion refused to process my dispute, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Their refusal prevented a lawful reinvestigation and allowed inaccurate and fraudulent information to remain on my credit report.

FCRA Rights Violated by TransUnion : FCRA 611 ( a ) My right to a complete and reasonable reinvestigation of disputed information.

FCRA 605B My right to have fraudulent information blocked within four business days after providing an identity theft report.

FCRA 602A & 607 ( b ) TransUnions duty to ensure maximum possible accuracy and remove unverifiable or inaccurate information.

I also filed an FTC Identity Theft Report, confirming that I am a documented victim of fraud. Several companies involved in my disputes have already confirmed that the accounts in question were fraudulent and do not belong to me. Yet, TransUnion failed to remove those accounts and instead closed my case entirely without review.

Their refusal to investigate based solely on an incorrect assumption caused further harm by allowing false, fraudulent, and damaging information to remain on my credit file.

I am requesting the following actions : Reopen and process my dispute, acknowledging that the request came directly from me.

Remove all fraudulent accounts, inquiries, and derogatory items, especially those creditors who confirmed that I was a victim of fraud.

Block all fraudulent information immediately under FCRA 605B using my FTC Identity Theft Report.

Conduct a full FCRA-compliant reinvestigation, as required by law.

Provide written confirmation for every correction or deletion made to my file.

Ensure no fraudulent or deleted items are reinserted without meeting all FCRA reinsertion requirements under 611 ( a ) ( 5 ) ( B ).

I am once again verifying that : I am the consumer.

I filed this dispute myself.

I have attached all identity verification documents required.

I filed an FTC report because I am a confirmed victim of fraud.

This is a valid dispute that must be processed under federal law. 

I respectfully request that the CFPB instruct TransUnion to comply with the FCRA and complete the reinvestigation and removal process in accordance with my rights as a consumer.

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