Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
XXXXYour Name: XXXX XXXXAddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone: XXXXEmail: XXXXFTC Identity Theft Report #: XXXXDate: XX/XX/XXXXXXXXToXXXX XXXX XXXX XXXX XXXXTransUnion LLCXXXXRE: FORMAL IDENTITY-THEFT DISPUTE & DEMAND FOR PERMANENT BLOCKINGXXXXUNDER FCRA 15 USC 1681c-2 (605B), 15 USC 1681i, 15 USC 1681s-2, FERPA, UCC 1-308, 2-615, SNY Law 349 (Deceptive Acts & Practices), and Federal Privacy ProtectionsXXXXTo Whom It May Concern:\n\nI am submitting this formal notice that I am a confirmed victim of identity theft, fully supported by my FTC Identity Theft Reports and fraud documentation.XXXX(See attached evidence: FTC Report XXXX   references)\n\nAdditionally, my personal information was exposed in multiple confirmed data breaches, including:XXXX XXXX XXXX TransUnion breachXXXX XXXX XXXX XXXX XXXX XXXX XXXX(as stated in each FTC identity theft report)XXXXThis exposure places ALL accounts listed below into the category of high-risk compromised data, requiring immediate blocking.XXXX. DEMAND FOR PERMANENT BLOCKING UNDER FEDERAL LAWXXXXUnder FCRA 15 USC 1681c-2 (Section 605B), once an identity theft report is provided, the credit bureau must block the fraudulent information within 4 business days.XXXXThis law requires deletion ofXXXXXXXXAny account resulting from identity theftXXXXAny account opened without my authorizationXXXXAny inquiry, loan, collection, tradeline, or charge related to identity theftXXXXAny information resulting from the use of compromised personal dataXXXXXXXX FEDERAL LAWS BEING INVOKEDXXXX. FCRA  15 USC CodesXXXX15 USC 1681c-2 (605B)  Mandates permanent blocking of identity-theft accounts.XXXX15 USC 1681i  Requires reinvestigation and removal of unverified or fraudulent items.XXXX15 USC 1681s-2(a)(1)(A)  Furnishers may NOT report inaccurate data.XXXX15 USC 1681b  Hard inquiries require permissible purpose, which identity-theft accounts NEVER provide.XXXX15 USC 6801-6809 (GLBA)  Failure to safeguard my data constitutes a privacy violation.XXXX. FERPA LAW (Education Records & Student Loan Fraud)XXXXMy FTC reports list multiple fraudulent federal student loans.XXXXThis implicates FERPA (20 USC 1232g) because:XXXXAny unauthorized access to education-related records is a federal violation.XXXXMy data was exposed during national breaches, meaning no legitimate consent existed.XXXXAny student-loan-linked reporting to credit bureaus is unlawful when the records themselves were compromised.XXXX UCC LawsXXXXYou are hereby notified that I am asserting rights under:XXXXUCC 1-308  Reservation of rights; I do NOT waive any rights under federal consumer-protection law.XXXXUCC 2-615  Impossibility applies because I cannot be held responsible for contracts/loans that I did not sign, authorize, or execute.XXXXUCC Article 9  A creditor must show proof of a valid security agreement signed by the debtor, which does not exist for fraudulent loans.XXXXNo original wet signatures exist because these contracts were created by an identity thief.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou operate, transmit, or store data in New York, which invokesXXXX XXXX  Deceptive Acts & PracticesXXXX XXXXXXXX XXXX XXXX FCRA variantXXXXThese laws prohibit:XXXXReporting information that you know or should know is inaccurateXXXXFailing to protect consumer dataXXXXContinuing to furnish fraudulent accounts after receiving an identity-theft complaintXXXX ACCOUNTS THAT MUST BE BLOCKED IMMEDIATELYXXXX(ALL supported by your uploaded FTC reports)\n\nA. Fraudulent Federal Student Loans  DPT ED XXXXThe following fraudulent loans must be deleted and blockedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts appear in your file uploads and MUST be blocked immediately.XXXX Fraudulent Credit CardsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 USC 1681b(f), any inquiry not authorized by me must be deletedXXXXAll inquiries associated with the above fraudulent accounts are unlawful.XXXX  REQUIRED ACTION (WITHIN 4 DAYS)XXXXYou are legally required to:XXXXBlock ALL fraudulent accounts under 605BXXXXRemove ALL unauthorized hard inquiriesXXXXContact the furnishers and notify them of the identity-theft blockXXXXProvide me with an updated credit report reflecting ALL deletionsXXXXFailure to comply constitutes violations of:XXXX Federal FCRAXXXX FERPA (for student loan data)XXXX UCC commercial lawXXXX XXXX XXXX GLBA privacy lawsXXXX CEASE REPORTINGXXXXUnder 15 USC 1681s-2(a)(1)(A), furnishers may not report information they know is inaccurateXXXXYou are hereby ordered to cease and desist reporting ALL accounts tied to identity theft.XXXX SIGNATUREXXXXI declare under penalty of perjury that all information provided is true and accurate.XXXXAsking for monetary compensation for punitive damages.XXXX XXXX XXXX XXXX XXXX XXXX

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