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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I have recently review

ed my credit report and identified violations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and 15 U.S. Code 1681b. According to the law, credit reporting agencies may only furnish a consumer report under specific circumstances, including written instructions from the consumer to whom the report relates. I have not provided any such written instructions, and the presence of the accounts listed below constitutes a violation of my rights.

15 U.S. Code 1681b ( a ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' Additionally, 15 U.S. Code 1681 ( a ) emphasizes the importance of accurate and fair reporting to maintain the publics confidence in the banking system. This law requires consumer reporting agencies to adopt reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of consumer information.

The following inquiries and accounts appear on my credit report without my consent, making them both inaccurate and unauthorized. This is an egregious violation of my right to privacy : Unauthorized Inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Fraudulent Accounts : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX These unauthorized actions constitute aggravated identity theft under 18 U.S. Code 1028A, which criminalizes the knowing transfer, possession, or use of anothers identification without lawful authority. The offenses are punishable by imprisonment and civil liability.

As the consumer, I demand : Immediate deletion of the unauthorized inquiries and fraudulent accounts from my credit report.

A copy of my updated credit report reflecting these corrections. 
Please find my FTC Identity Theft Report ( # XXXX ) attached as evidence of my claims. This report further confirms my status as a victim of identity theft. I have also included the necessary information for your records. 
Failure to comply with my request will result in further legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. I expect written confirmation once the requested changes have been made. 
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