Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
Subject : Formal Complaint Against TransUnion Repeated Reinsertion of Fraudulent Accounts ( FCRA Violations ) Dear Consumer Financial Protection Bureau, I am filing this complaint to report serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, which has reinserted fraudulent accounts into my credit file despite full documentation and repeated disputes on my part. 

Accounts Involved : 1. XXXX XXXX Account No. : XXXX XXXX : {$12000.00} 2. XXXX Account No. : XXXX XXXX : {$13000.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Balance : {$8000.00} The XXXX XXXX credit card accounts have now been reinserted onto my TransUnion credit report for the fourth time, even though the original creditor, XXXX XXXX XXXX, has officially confirmed these accounts are fraudulent. I am a verified victim of identity theft, and both accounts were opened by individuals who stole my personal information. 

I have spoken multiple times with fraud specialists at XXXX XXXX XXXX, who have clearly stated that they are not reporting, verifying, or re-submitting these accounts to TransUnion. They confirmed that these accounts are marked as fraud in their system, and no further verification or reporting is coming from their end. 

Despite this, TransUnion continues to reinsert these accounts, which strongly suggests either a system failure ( glitch ) or gross negligence in their dispute-handling and fraud-processing systems. 

Additionally, the XXXX, XXXX & XXXX XXXX collection account was opened after someone used my stolen information to fraudulently lease an apartment. I have never applied for nor lived at that address. When I disputed this with TransUnion, I was told to provide a signed police report confirming the ID theft. 

As instructed, I visited my local XXXX precinct in person to file the report and obtained a physically signed police report as well as a signed business card from the XXXX, which includes the report number tied to both cases above. 
I learned from the XXXX that due to pandemic-related changes, police departments no longer sign reports submitted online. To obtain a physical signature, the victim must appear in personwhich I did. 

TransUnion 's FCRA Violations : 1. 1681i ( a ) ( 5 ) ( B ) Failure to Notify Upon Reinsertion TransUnion never sent me written notice within 5 business days of re-reporting these accounts, as required by law.

2. 1681c-2 Prohibited Reporting of Fraud After Identity Theft Notification I submitted a valid police report for all three accounts. TransUnion is legally required to block and not re-report these accounts, unless the furnishers certify their accuracy. XXXX XXXX XXXX has expressly denied doing so. 

3. 1681e ( b ) Failure to Ensure Maximum Accuracy TransUnions repeated reinsertion of accounts known to be false and disputed multiple times reflects a clear violation of their duty to maintain accurate consumer data. 

4. 1681n and 1681o Willful and/or Negligent Noncompliance These actions amount to willful disregard and/or gross negligence, making TransUnion liable for actual XXXX statutory, and punitive damages. 

Documents Attached : Signed LAPD Police Report confirming identity theft and referencing all three accounts Signed XXXX officers business card including official report number Recent utility bill verifying my identity and address Email from TransUnion requesting the signed police report ( now fulfilled ) Requested Action by the CFPB : I respectfully request that the CFPB : 1. Investigate TransUnions repeated reinsertion of confirmed fraudulent accounts 2. Determine why these accounts continue to reappear, despite no action from the original creditor 3. Verify whether TransUnion received any lawful certification of accuracy 4. Hold TransUnion accountable for its pattern of FCRA violations 5. Require the permanent deletion and blocking of these fraudulent accounts from my credit report I am exhausted from the emotional, financial, and reputational harm caused by TransUnions repeated mishandling of my identity theft claims. I trust the CFPB will intervene to ensure this matter is corrected permanently and that TransUnion is held responsible under the law. 

Sincerely, 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