Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am submitting this complaint regarding the continued reporting of a fraudulent utility account by XXXX XXXX and the collection agency XXXX XXXX XXXX. I received written correspondence from XXXX XXXX XXXX advising that I had an outstanding collection account related to a utility bill allegedly owed to XXXX XXXX. Upon receiving this notice, I immediately contacted the collection agency to dispute the debt because I have never resided in the State of Michigan and have never opened or authorized any account with XXXX XXXX. After investigating the matter further, I discovered that my personal identifying information had been used without my authorization by unknown individuals to fraudulently open the utility account. These individuals resided at the Michigan address where the service was provided and subsequently failed to pay the utility bill, resulting in the account being sent to collections. In accordance with the instructions provided by XXXX XXXX XXXX, I submitted documentation demonstrating that the account was opened fraudulently. This documentation included : A police report documenting the identity theft A copy of my government-issued identification Proof of my legal residence in the State of Indiana during the time period in which the account was opened and incurred charges Despite receiving this documentation, both XXXX XXXX and XXXX XXXX XXXX have continued to report this account on my credit report and have responded to my disputes by stating that the account has been verified. The continued reporting of this account is inaccurate and constitutes the reporting of information that is the result of identity theft. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to conduct a reasonable investigation of disputed information and to correct or delete information that can not be verified as accurate. Additionally, the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies and furnishers to block the reporting of information that results from identity theft when appropriate documentation has been provided. Furthermore, continuing to attempt to collect or report a debt that is known to be fraudulent may constitute a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibits the use of false, deceptive, or misleading representations in connection with the collection of a debt. I have provided more than sufficient evidence demonstrating that this account is the result of identity theft and that I was not responsible for opening or maintaining the utility account in question. Through my own investigation, I was also able to identify the individuals who resided at the Michigan address and who appear to have used my personal information without authorization.

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