Consumer complaint received 2025-07-11 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: NH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including the following : a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX with a {$0.00} balance ; an XXXX XXXX XXXX auto loan ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$16000.00} ; a XXXX auto loan ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a {$0.00} balance ; a XXXX XXXX collection account ( XXXXXXXX XXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$1700.00} ; a XXXX collection account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$2900.00} ; an XXXX XXXX  collection ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$110.00} ; and an XXXX secured loan ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$530.00} * * that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ( XXXX ) on my consumer FICO TransUnion credit report that I do not recognize and that are the result of identity theft and fraud. These include a credit card from XXXX opened on XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), auto loans from XXXX XXXX XXXX  ( XX/XX/XXXX, {$16000.00}, Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and collections from XXXX XXXX ( XX/XX/XXXX, {$1700.00}, Acct : XXXX XXXX XXXX ), XXXX ( XX/XX/XXXX, {$2900.00}, Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX  ( XX/XX/XXXX, {$110.00}, Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a secured loan/collection from XXXX ( XX/XX/XXXX, {$530.00}, Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent items caused hard inquiries and collections. I demand their removal and that all related collection activity cease under the FCRA and FDCPA. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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