Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Formal Identity Theft Dispute and Request for Immediate Blocking of Fraudulent Accounts Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Dear TransUnion Dispute Department , I am writing to formally dispute the presence of the above-referenced accounts currently listed on my TransUnion credit report. These accounts contain inaccurate and fraudulent information and are the direct result of identity theft, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I am invoking my legal right to request the immediate blocking and removal of all information related to these fraudulent accounts. Under this statute, a consumer reporting agency is legally required to block such information within four ( 4 ) business days upon receipt of : Proof of the identity of the consumer A copy of an official identity theft report ( enclosed, filed with the Federal Trade Commission ) A clear identification of the fraudulent accounts A signed statement from the consumer affirming the information was not initiated by them I have enclosed all of the above-required documentation, including : A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) A legible copy of my government-issued identification A signed, sworn statement affirming that I did not authorize, open, or transact on any of the accounts listed above These accounts do not reflect any legitimate activity initiated or authorized by me. Therefore, you are obligated by law to permanently block and remove these items from my credit file. 

Furthermore, under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation into any disputed information. However, because this matter falls under the specific provisions of identity theft ( FCRA 1681c-2 ), TransUnion must block the information outright, regardless of any reinvestigation outcome. 

Relevant Legal Precedent and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court affirmed that CRAs have a duty to act promptly once notified of identity theft. 

XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Establishes that both CRAs and furnishers may be held liable under the FCRA for failing to investigate and for continuing to report disputed, fraudulent, or inaccurate information. 

FTC & CFPB Guidance : Both agencies make it clear that CRAs must immediately block and remove disputed tradelines upon receiving sufficient identity theft documentation. 

Continued Noncompliance and Procedural Deficiencies It is important to note that TransUnion has, in past instances, demonstrated a failure to reasonably investigate such disputes or to properly inform consumers of your criteria for blocking or removing derogatory accounts. Such conduct, if repeated here, would constitute further violation of the FCRA and may expose TransUnion to liability under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

I hereby demand the following : Immediate blocking and removal of the above-referenced accounts Written confirmation of the completion of this process within the four ( 4 ) business days as mandated by law Clarification of your internal policy and criteria regarding identity theft disputes and blocking of fraudulent tradelines If TransUnion fails to comply with the legal obligations set forth in the FCRA, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I will pursue all available legal remedies, including but not limited to monetary damages, attorneys fees, and injunctive relief.

Please consider this letter a formal dispute and demand for immediate corrective action.

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