Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Incorrect Information on  Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information appearing on my TransUnion credit report. Specifically, I have noticed the following issues that I believe to be incorrect and harmful to my credit : XXXX XXXX XXXX XXXX : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which includes XXXX XXXX XXXX as one of the companies involved in the fraudulent use of my personal information. I have never done business with this company, nor have I given any consentwritten or verbalfor them to store, collect, or share my personal information. This account should be removed from my credit report immediately. 
2. Incorrect Address : The address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is incorrectly listed on my credit report. This address is not mine, and I believe it to be part of the identity theft or error in reporting. I request that this address be removed from my credit file. 
Both of these items are incorrect, and their continued presence on my credit report is causing significant harm to my credit standing. I ask that these inaccuracies be investigated and promptly removed as they are not only damaging but also unlawful under the following consumer protection laws : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA mandates that consumer reporting agencies must ensure the accuracy and integrity of the information contained in credit reports. Under 15 U.S.C. 1681i ( a ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete, and you are required to investigate and correct any errors within 30 days. 
The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : This law prohibits the reporting of false or inaccurate information by debt collectors. As I have never had a relationship with XXXX XXXX XXXX, they should not be listed on my credit report under any circumstances. 
The Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 : Under this law, if my personal information was used fraudulently, I have the right to request that any fraudulent accounts or addresses be removed from my credit file. 
These unlawful practices are causing significant financial harm, and I demand that the incorrect information regarding XXXX XXXX XXXX and the inaccurate address be removed immediately from my credit report. Please provide written confirmation of the actions taken to remove this information within 4 business days of receiving this dispute. 
I have included a Copy of my State issued DL, A copy of my Social Security Card, and a copy of the FTC report with the disputed information including on the FTC report. 
Failure to remove this information in a timely manner will leave me with no choice but to seek further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and pursuing legal action to ensure my rights are protected. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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