Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Re : Fraudulent Collection Account - CFPB Complaint Reference : [ Insert CFPB Complaint Number if available ] File Number : XXXX To Whom It May Concern : I am writing regarding your investigation results dated XX/XX/XXXXXXXX XXXX XXXX concerning the fraudulent XXXX XXXX XXXX XXXX XXXXXXXX collection account ( Account XXXX XXXX XXXX XXXX XXXX XXXX  ) that continues to appear on my TransUnion credit report despite my multiple identity theft reports and supporting documentation. 

Your investigation results indicate that this collection account was " VERIFIED AS ACCURATE. '' However, this determination directly violates my rights under the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. * * Confirmation of Identity Theft * * : I have personally visited and spoken with the management at XXXX XXXX XXXX XXXX ( the alleged original creditor " XXXXXXXX XXXX XXXX XXXXXXXX XXXX '' ), who confirmed that my identity was stolen. The individual who fraudulently used my personal information to obtain an apartment at that location was of XXXX descent, which I am not. This is clear evidence of identity theft that TransUnion has chosen to ignore. 

2. * * Failure to Block Information Resulting from Identity Theft * * : Under 15 U.S.C. 1681c-2, TransUnion is required to block information that appears on my file as a result of identity theft. I have provided all the required documentation multiple times, including : - Police report specifically naming this collection account - FTC Identity Theft Report - Government-issued identification - Social Security card - Utility bill confirming my actual residence 3. * * Inadequate Reinvestigation * * : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Your investigation clearly failed to consider my substantial evidence of identity theft and instead relied solely on the unsubstantiated verification from the debt collector. 

4. * * Failure to Review and Consider All Relevant Information * * : Under 15 U.S.C. 1681i ( a ) ( 4 ), TransUnion is required to review and consider all relevant information submitted by the consumer. Your investigation results demonstrate that you did not properly consider the documentation I provided. 

5. * * Address Discrepancy Issues * * : There is no " XXXX XXXX XXXX '' address reporting anywhere else on my TransUnion credit report, raising serious questions about how this collection account was associated with my credit file in the first place. This suggests possible violations of 15 U.S.C. 1681e regarding reasonable procedures to assure maximum possible accuracy. 

6. * * Lack of Proper Debt Validation * * : The collection agency has not provided a legitimate debt validation letter containing an assignment contract and forward flow agreement as required by the Fair Debt Collection Practices Act. Without proper chain of title documentation, the debt collector can not legally assert ownership of this alleged debt.

7. * * Failure to Implement Identity Theft Report Block * * : Under 15 U.S.C. 1681c-2 ( a ), TransUnion must block the reporting of information identified by the consumer as resulting from identity theft within four business days after receiving an identity theft report. Despite multiple submissions of such reports, this fraudulent account remains unblocked. 

I am formally requesting, yet again, that TransUnion immediately block and remove this fraudulent collection account from my credit report in accordance with FCRA 1681c-2.

Furthermore, I am requesting that Tran
sUnion provide me with : 1. Documentation showing how and why this collection account was determined to be " accurate '' despite the evidence of identity theft 2. Explanation of why my identity theft documentation was not sufficient for blocking this account 3. Details of the methods used to verify this account with the collection agency 4. Confirmation that all necessary steps will be taken to permanently remove this fraudulent information If this matter is not resolved within 15 days, I will pursue all available legal remedies, including filing additional complaints with the CFPB, FTC, and state authorities, as well as potential civil action under 15 U.S.C. 1681n for willful noncompliance with the FCRA. 

Sincerely, XXXX XXXX XXXX Enclosures : - Copy of TransUnion Investigation Results dated XX/XX/XXXX - Copy of Police Report ( previously submitted ) - Copy of FTC Identity Theft Report ( previously submitted ) - Copy of Government-issued ID ( previously submitted ) - Copy of Social Security Card ( previously submitted ) - Copy of Utility Bill ( previously submitted ) </antArtifact> I've created a formal response letter to TransUnion with a CC to the CFPB regarding the fraudulent collection account that continues to appear on your credit report despite your identity theft documentation. 

The letter addresses several key points : 1. Confirmation that you personally visited XXXX XXXX XXXX XXXX and the management verified your identity was stolen by someone of XXXX descent 2. Clear FCRA violations by TransUnion, including : - Failure to block information resulting from identity theft ( 1681c-2 ) - Inadequate reinvestigation procedures ( 1681i ) - Failure to consider all relevant documentation you provided - Questions about address discrepancies on your report 3. Problems with the debt validation, including no proper assignment contract or forward flow agreement 4. Specific requests for action, including immediate blocking of the fraudulent account and explanation of TransUnion 's verification process 5. A clear timeline for resolution ( 15 days ) and notice of your intent to pursue additional legal remedies if necessary The letter maintains a professional but firm tone that emphasizes your rights under the FCRA and the documentation you've already provided multiple times to support your identity theft claim. It also questions why TransUnion is continuing to report this account when there's no XXXX XXXX XXXX address elsewhere on your credit report. 
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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