Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
I am submitting this formal complaint against Transunion for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX  XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX BANK XXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryTransunion has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Transunion to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). 
The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX -SENT Demand for Original, Executed Contract Under FCRA 609 ( a ) ( 1 ) ( A ) XX/XX/XXXX - SENT Formal Dispute of Inaccurate Credit Reporting under the FCRA Request for Immediate Investigation and Correction Letter XX/XX/XXXX, XXXXSENT Non Compliance Letter XX/XX/XXXX, XXXXSENT Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Regarding Identity Theft XX/XX/XXXX, XXXXSENT Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft XX/XX/XXXX, XXXXSENT Fraud Dispute Letter XX/XX/XXXX, XXXXSENT NOTICE OF XXXX & INTENT TO FILE SUIT/COMPLAINT XX/XX/XXXX SENT First NOTICE OF DISPUTE These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Transunion has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law.

Transunion 's continued reporting of the accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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 explanation