Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This letter is my second formal request for the immediate deletion of the fraudulent Bank XXXX XXXX account ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is still being reported on my credit file. I previously disputed this account on XX/XX/XXXX ( CFPB XXXX  XXXX ), and you responded that the account was verified and reporting correctly. That response is not only inaccurate its a direct violation of multiple federal laws. 
After comparing all XXXX  credit reports side by side, Ive found numerous inconsistencies and inaccuracies in the way this account is being reported. I am formally requesting deletion of this account on the basis of identity theft and inaccurate, unverifiable information, in clear violation of federal consumer protection laws. 
Let me be very clear : this account does not belong to me. I am the victim of identity theft. I have attached a Federal Trade Commission ( FTC ) Identity Theft Report ( XXXX  XXXX ), and have also filed a report with local law enforcement. Continuing to report this account is unlawful and damaging to me. 
XXXX Violations & Grounds for Deletion XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) Identity Theft Block Requirement You are required to block fraudulent information within XXXX business days of receiving a valid identity theft report, proof of identity, and identification of the fraudulent account. All of this has already been submitted. 
XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) Reinvestigation of Disputed Information Your previous verification failed to correct the following major contradictions : Last Payment Date : XXXX  reports : XXXX XXXX, XXXX XXXX  & TransUnion : XXXX XXXX, XXXX Closed Date : XXXX : XXXX. XXXX, XXXX TransUnion : XXXX. XXXX, XXXX XXXX : No date shown Account Status : XXXX : Closed XXXX  : Charged Off TransUnion : Derogatory Late Payments Reporting After Closure : All XXXX  bureaus report payment activity well after closure, continuing into XXXX, XXXX, and XXXX. 
Late Payments Total Discrepancy : XXXX  shows XXXX late months on a XXXX account. 
TransUnion shows XXXX XXXX only lists XXXX potentially negative months. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Duty to Report Accurate Information Reporting conflicting, outdated, or false information after being notified of identity theft violates your duty under the FCRA. 
XXXX. FCRA XXXX ( b ) ( XXXX ) Duty to XXXX XXXX XXXX You are obligated to investigate and delete unverifiable or inconsistent data within XXXX days. This was not done. 
XXXX. FACTA Red Flags Rule The presence of identity theft triggers a duty to flag and protect the consumer. Reporting this account violates FACTAs protections. 
XXXX. XXXX XXXX. XXXX and XXXX Civil Liability for Willful or Negligent Noncompliance If this account is not removed, I reserve the right to pursue damages under these sections of the FCRA. 
XXXX. FCRA XXXX ( A ) Fair and Equitable Treatment The purpose of the FCRA is to ensure fair and equitable treatment of consumers. 
Continuing to report demonstrably false and contradictory information violates the spirit and language of this provision. 
XXXX. FCRA XXXX ( b ) XXXX XXXX XXXX XXXX reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The contradictions in this account data across bureaus show that this standard has not been met. 
Summary of Inaccuracies This account is fraudulent ( identity theft victim ) Inconsistent last payment dates across bureaus Contradictory account statuses Conflicting and unverifiable account closure dates Reporting of late payments after the account was closed Mathematically impossible number of derogatory marks for the reported account duration Balance usage shown as 105 % on a closed/charged-off account Final Demand : I am not requesting another investigation or correction. I am demanding the immediate and permanent deletion of this Bank XXXX XXXX account in accordance with FCRA XXXX. Please confirm the deletion in writing and send me an updated credit report. 
I hereby demand : XXXX. XXXX deletion and blocking of the above-listed fraudulent account from my credit file. 
XXXX. A written statement confirming deletion and blocking of the account. 
XXXX. An updated credit report reflecting these changes. 
If I do not receive confirmation within XXXX business days, I will file additional complaints with the CFPB, FTC, XXXX Attorney XXXX XXXX, and consider legal action under XXXX U.S.C. XXXX ( willful noncompliance ) and XXXX ( negligent noncompliance ), seeking damages as provided by law. 
Thank you for your immediate attention to this matter. I look forward to your prompt response as required under federal law.

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