Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/year>, during a trip to XXXX, Texas, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. 



Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. 



I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. 

I am filing this complaint against TransUnion for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, TransUnion continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. 



Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 

2. Failure to Block Fraudulent Information Under FCRA XXXX U.S.C. XXXX ( a ), TransUnion must block information resulting from identity theft within XXXX business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 

3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under XXXX U.S.C. XXXX ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 

4. Criminal Violations Committed By knowingly reporting false information, TransUnion is engaging in wire fraud ( XXXX U.S.C. XXXX ), bank fraud ( XXXX U.S.C. XXXX ), and mail fraud ( XXXX U.S.C. XXXX ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under XXXX U.S.C. XXXX, as they are willfully participating in deceptive financial reporting that harms consumers. 






TransUnion is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving TransUnion Is noncompliance, and they can not lawfully claim innocence given the facts presented. 


Criminal Violations Committed by TransUnion Under XXXX XXXX XXXX XXXX  TransUnions actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title XXXX of the United States Code XXXX These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes TransUnion has violated : 1. Wire Fraud ( XXXX U.S.C. XXXX ) TransUnion has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 

2. Bank Fraud ( XXXX U.S.C. XXXX ) TransUnions refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on TransUnionS reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, TransUnion is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 

3. Mail Fraud ( XXXX U.S.C. XXXX ) TransUnion permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. 

4. Conspiracy to Commit Fraud ( XXXX U.S.C. XXXX ) TransUnions willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. 

5. Obstruction of Justice ( XXXX U.S.C. XXXX ) TransUnions refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime.

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