Consumer complaint received 2025-10-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Request for Immediate Blocking and Removal of Fraudulent Items Under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and demand the removal of fraudulent information appearing on my TransUnion credit report. I am a documented victim of identity theft as a result of the TransUnion data breach. The personal information stolen during that breach has been misused to open accounts or report activities that I did not authorize and am not responsible for.

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am requesting that TransUnion block and permanently remove all fraudulent accounts and negative information resulting from identity theft. 
Accounts to Be Blocked and Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for My Request : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires consumer reporting agencies to block and remove identity theft-related information within 4 business days of receiving : o Proof of identity o A copy of a valid Identity Theft Report o Identification of the fraudulent information o A statement that the information is not related to any transaction I made 2. FACTA Fair and Accurate Credit Transactions Act Reinforces my rights to request the blocking of fraudulent data and mandates agencies to prevent the sale or distribution of such data.

3. FCRA 611 ( 15 U.S.C. 1681i ) Grants consumers the right to dispute inaccurate or unverifiable information and requires a prompt and fair reinvestigation process.

4. FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers of information from reporting data they knowor have reason to believeis the result of identity theft.

Documents Enclosed : Copy of my government-issued photo ID Copy of proof of current address ( e.g., utility bill ) Copy of the FTC Identity Theft Report [ Optional but recommended ] Copy of police report documenting the identity theft Copy of my TransUnion credit report with fraudulent items clearly highlighted I hereby demand that TransUnion : 1. Block and permanently delete the fraudulent accounts listed above 2. Refrain from relisting or re-reporting these accounts in the future 3. Notify the furnishers of the fraudulent data that the information is the result of identity theft 4. Provide me with a written confirmation that the accounts have been blocked or removed Failure to comply with these legal obligations may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action under the FCRA for damages and attorney 's fees. 
Please confirm in writing that you have received this dispute and that the fraudulent items have been blocked and removed. 
Sincerely, 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