Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Dear TransUnion, I am writing to dispute the inaccurate and fraudulent XXXX XXXX account Account Number ( XXXX ) on my TransUnion credit report. I did not authorize or incur this debt. This account was due to identity theft. This is my final attempt to have this fraudulent account removed from my credit report, following TransUnions failure to act on prior disputes despite clear evidence of identity theft, including alerts from my Experian online account indicating my Social Security number and phone number were found on the dark web ( copy enclosed ). TransUnions failure to remove this account has caused significant harm, including the denial of a housing application on XX/XX/XXXX, leading to financial losses from temporary hotel stays, homelessness, and additional debt. I demand immediate investigation and removal of this account under the Fair Credit Reporting Act ( FCRA ), or I will pursue legal action for damages. I did not apply for, authorize, or benefit from this account. I requested information from XXXX XXXX, and they sent a letter falsely claiming the account is mine without providing verifiable evidence. Additionally, I received alerts from my XXXX  online account confirming that my Social Security number and phone number were exposed on the dark web, further substantiating the likelihood of identity theft. The presence of this fraudulent account on my credit report has caused severe financial and personal harm, including : Denial of a housing application on XX/XX/XXXX which prevented me from securing a home. 
Financial losses from temporary hotel stays, costing approximately {$2000.00} Homelessness, resulting in emotional distress and financial instability. 
Additional debt incurred to cover living expenses due to the housing denial.

These damages are directly attributable to TransUnions failure to remove this fraudulent account, despite my prior disputes and clear evidence of identity theft.

Under the FCRA, specifically 15 U.S.C. 1681c-2, credit reporting agencies must block information resulting from identity theft within four business days of receiving a consumers dispute, provided supporting documentation ( a police report and identity theft affidavit ) is included. I have enclosed a copy of my police report, XXXX  XXXX web alert, and DENIAL email for home application due to XXXX XXXX The following case law supports the immediate removal of fraudulent accounts : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that credit bureaus must follow reasonable procedures to ensure the accuracy of credit reports, and failure to remove unverifiable or fraudulent information violates the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : This case establishes that credit reporting agencies must delete information that can not be verified as accurate. XXXX XXXX  unsubstantiated claim does not verify the account as mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) : The court awarded damages for a credit bureaus failure to remove a fraudulent account, emphasizing liability for actual damages caused by inaccurate reporting, such as credit denials and emotional distress. 
XXXX XXXX Trans Union LLC, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : The court found that failure to promptly remove fraudulent accounts after identity theft disputes, especially with evidence like dark web exposure, constitutes an FCRA violation, supporting claims for actual and statutory damages. 
XXXX XXXX Trans Union, XXXX, XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) : The court ruled that TransUnions failure to conduct a reasonable investigation into a disputed fraudulent account violated the FCRA, particularly when the furnisher provided inadequate verification.

This is my final dispute following prior submissions, TransUnions refusal to remove this account, despite evidence of identity theft including the dark web alert, violates 15 U.S.C. 1681i, which requires a reasonable investigation within 30 days. XXXX XXXX response letter, which merely asserts the account is mine without providing verifiable evidence, fails to meet the FCRAs verification standards under 15 U.S.C. 1681s-2 ( b ). TransUnions continued reporting of this account has caused tangible harm, entitling me to statutory damages up to {$1000.00} per violation under 15 U.S.C. 1681n, as well as actual damages for credit denials, financial losses, and emotional distress from homelessness.

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