Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
This is a formal complaint against TransUnion for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ). I have made repeated efforts over the past year to dispute and remove fraudulent accounts from my credit report that are the result of identity theft. Despite providing all required documentation including identity theft reports, police reports, and personal identification TransUnion continues to report these accounts as valid. 

These accounts were not opened by me, and no evidence exists to support that I authorized them. TransUnions refusal to remove this fraudulent information violates federal law and has caused substantial, ongoing damage to my credit and personal life. 



Fraudulent Accounts That Must Be Deleted : The following accounts are fraudulent and must be permanently blocked and deleted under FCRA 605B : Account Name : XXXX XXXXXXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX I have never done business with any of these institutions. They are not mine, and continuing to report them is unlawful. 



FCRA Violations by TransUnion : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Blocking of Information from Identity Theft Upon receipt of valid identity theft documentation, TransUnion must block the disputed information within 4 business days. I have submitted the required documentation, yet these accounts remain on my report.

2. FCRA 611 ( 15 U.S.C. 1681i ) Failure to Reinvestigate Disputed Accounts TransUnion is required to conduct a reasonable and independent investigation when accounts are disputed. It is impossible to validate these accounts as mine because they are not yet TransUnion has failed to remove them. 

3. FCRA 623 ( a ) ( 6 ) Failure to Report Items as Disputed Even after multiple disputes, TransUnion failed to flag these accounts as disputed, misleading third-party creditors and lenders.

4. FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Civil Liability for Willful and Negligent Noncompliance Given the repeated failures to act after receiving full notice and documentation, TransUnion is subject to civil liability, including for statutory, actual, and punitive damages. 



Supporting Case Law : XXXX XXXX Trans Union , LLC, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : TransUnion held liable for failing to remove incorrect information and conduct proper investigations. 
XXXX XXXX Trans Union XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) : Credit bureaus must conduct more than a superficial investigation of disputed information. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  : Failure to delete disputed information after evidence of inaccuracy constituted FCRA violation. 
XXXX XXXX Trans Union , LLC, XXXX XXXX XXXX ( XXXX. XXXX ) : Failure to block fraudulent accounts after receiving identity theft reports violated 605B. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to mark a disputed account as such was found to be materially misleading. 



Damages and Harm : Because of TransUnions inaction : My credit score has dropped significantly Ive been denied credit, housing, and financing opportunities Ive incurred emotional distress, frustration, and legal costs My identity theft issues have been prolonged unnecessarily Legal Action and Regulatory Complaints : I have retained legal counsel and will pursue litigation if these fraudulent accounts are not removed within 4 business days. I will be seeking : Permanent deletion of the listed accounts Actual and punitive damages Statutory penalties Attorneys fees and all applicable remedies under law Additionally, I will be filing formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX  Office of the Inspector General ( FTC ) Department of Consumer Affairs ( State Level ) National Consumer Law Center ( NCLC ) Resolution Demanded : 1. Immediate and permanent deletion of the following fraudulent accounts from my TransUnion credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A written confirmation that these accounts have been blocked and will not be reinserted 3. Cease any future reinsertion or reporting of these accounts without verifiable documentation and my express written consent If this matter is not resolved within 4 business days, I will proceed with litigation and escalate the issue through every available legal and regulatory channel.

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