Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Identity Theft Block & Dispute Letter ( Use for TransUnion, Experian, XXXX ) TransUnion LLC Consumer Dispute Center, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Tip : also use the mailing address shown on your current credit report if different. ) Re : Identity Theft Block & Dispute Demand 15 U.S.C. 1681c-2 ( FCRA 605B ) and 1681i ( FCRA 611 ) Dear Credit Reporting Agency , I am a victim of identity theft/data breach and fraudulent accounts and entries now appear on my consumer report. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block the reporting of the specific information I identify as resulting from identity theft within 4 business days after receiving : proper proof of my identity, a copy of my Identity Theft Report ( FTC report and/or police report ), identification of the information in my file that I assert is the result of identity theft, and a statement that this information is not related to any transaction I made. 
I am enclosing all required items. I am also disputing the accuracy/completeness of the listed entries under FCRA 611 ( 15 U.S.C. 1681i ) and demand a reasonable reinvestigation and deletion of any unverifiable information. Provide me the method of verification, including the furnisher ( s ) contacted, date/time of contact, and the documentary evidence relied upon.

A. Items to BLOCK/DELETE under 605B ( Identity Theft ) ( Add rows as needed. Include account numbers as they appear on your reportpartial/redacted is okay. ) Furnisher/Tradeline : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Identity theft / opened or used without my authorization ; not my account or charges. 

Reason : Identity theft / fraudulent charges/ not mine. 
If late payments are reported on any account tied to identity theft or unauthorized use, those late marks must also be removed as they are the result of identity theft and are inaccurate. Delete all derivative negative codes, remarks, and score-impacting fields. 
B. Items to CORRECT/DELETE under 611 ( Accuracy/Reinvestigation ) ( Use this if something is yours but reported inaccuratelywrong dates, balances, status, or late-pay errors. ) Dispute : ( e.g., Late payments reported for/ and/ are inaccurate. Statement/bill was not provided 21 days before due date ; charges are disputed ; account was current ; identity compromise impacted billing. ) Requested Action : Remove late-payment codes and derogatory remarks ; update to Pays as Agreed/Current.

C. Required Actions Within 4 business days of receipt, block all 605B-identified items and send me an updated report.

Notify all furnishers and any person who received my report containing the blocked/deleted information, as required by the FCRA. 
Provide the investigation results in writing and include your method of verification for each disputed item. 
Do not reinsert any deleted/blocked item without full compliance with 611 ( a ) ( 5 ) ( B ) ( certification of accuracy and written notice to me within 5 business days ).

D. Data Breach Context My personal information was exposed in a major credit-bureau data breach, and I have reason to believe that exposure enabled the fraudulent activity listed above. Treat this as an identity theft matter and handle on an expedited basis under 605B.

E. Preferred Delivery Mail all results to the address above and send a XXXX  copy to my email. 
I declare under penalty of perjury that the statements herein are true and correct. Please act promptly and in full compliance with 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