Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX  DC XXXX RE : UPDATED FTC IDENTITY THEFT AFFIDAVIT - DEMAND FOR PERMANENT REMOVAL OF FRAUDULENT COLLECTION ACCOUNT Dear TransUnion, This correspondence serves as formal notice under the Fair Credit Reporting Act ( FCRA ) regarding the fraudulent collection account that must be permanently blocked and deleted from my consumer file. I am submitting this updated FTC Identity Theft Affidavit in direct response to your specific instructions received on XX/XX/XXXX, via the communication portal you created for me. 

* * FRAUDULENT COLLECTION ACCOUNT DETAILS : * * Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$8000.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Collection Account * * COMPLIANCE WITH YOUR XX/XX/XXXX INSTRUCTIONS : * * Based on your portal communication dated XX/XX/XXXX, I have restructured my FTC Identity Theft Affidavit to address the XXXX specific deficiencies you identified : * * 1. Personal Identifying Information Correction : * * You stated : Your request is missing essential personal identifying information.

* * My Response : * * I have made the necessary corrections to the updated FTC Identity Theft Affidavit to include all essential personal identifying information as per your specific instruction. The updated affidavit now contains complete identifying details required for proper processing. 

* * 2. Account-Specific Information Inclusion : * * You stated : Account specific information such as name of creditor, account numbers or other account details that would allow us to complete your request was not included. 
* * My Response : * * I have ensured that the updated FTC Identity Theft Affidavit includes the complete name of the creditor ( XXXX XXXX & XXXX XXXX ), the full account number, and all other relevant account details that will allow you to complete my request for permanent blocking and deletion of this fraudulent collection account.

* * 3. Enhanced Identity Theft Description : * * You stated : The description of the identity theft was too vague and/or did not include specific information related to the identity theft, including the dates the fraud occurred. 
* * My Response : * * I have provided a more comprehensive description of the identity theft incident within the constraints of the FTC Affidavit format. Please note that the FTC Identity Theft Affidavit document limits the incident description to XXXX characters or less. Additionally, when I personally visited the apartment complex at XXXX XXXX XXXX XXXX, the management confirmed that someone had fraudulently used my personal identity to obtain an apartment lease at their property. However, the management personnel refused to provide the specific dates when this fraud occurred, stating only that I should obtain an Identity Theft Police Report immediately due to someone having unlawfully used my personal information. I have included all available information to the best of my ability within these constraints. 

* * DETAILED IDENTITY THEFT INCIDENT : * * An unknown perpetrator fraudulently obtained and used my personal identifying information without my knowledge, consent, or authorization to secure an apartment lease at XXXX XXXX XXXX XXXX. This fraudulent activity resulted in the creation of the disputed collection account with XXXX XXXX XXXX XXXX XXXX in the amount of {$8000.00}. 

Upon discovering this fraudulent account on my credit report, I immediately conducted a personal investigation by visiting the apartment complex at XXXX XXXX XXXX XXXX. During my visit, I spoke directly with management personnel who confirmed that someone had indeed used my personal identity to obtain an apartment at their property. The management team acknowledged that this constituted identity theft but refused to provide specific dates when the fraudulent lease was executed, citing their internal policies. They strongly advised me to file an Identity Theft Police Report immediately, which I promptly completed. 

* * LEGAL VIOLATIONS AND STATUTORY REQUIREMENTS : * * The continued reporting of this fraudulent collection account violates multiple provisions of the Fair Credit Reporting Act : * * 15 U.S.C. 1681c-2 - Blocking of Information Resulting from Identity Theft : * * You are statutorily required to block information in a consumers file that the consumer identifies as information that resulted from an alleged identity theft, upon receipt of appropriate proof of the identity of the consumer, a copy of an identity theft report, and identification of such information by the consumer.

* * 15 U.S.C. 1681e ( b ) - Reasonable Procedures to Assure Maximum Possible Accuracy : * * You have failed to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Continuing to report this fraudulent account after being notified of the identity theft constitutes a violation of this provision.

* * 15 U.S.C. 1681i ( a ) - Procedure in Case of Disputed Accuracy : * * You are required to conduct a reasonable investigation with respect to the disputed information and must delete or modify inaccurate, incomplete, or unverifiable information.

* * METRO 2 COMPLIANCE REQUIREMENTS : * * Under Metro 2 Credit Reporting Resource Guide standards, you must immediately implement the following actions : 1. * * Update Account Status : * * Change the account status to Code 05- Account confirmed fraud/identity theft 1. * * Delete Tradeline Information : * * Remove all tradeline information associated with this fraudulent account 1. * * Suppress Future Reporting : * * Permanently suppress any future reporting of this account to prevent re-insertion 1. * * Data Furnisher Notification : * * Notify XXXX XXXX & XXXX XXXX that this account has been confirmed as fraudulent and blocked due to identity theft * * IMMEDIATE COMPLIANCE DEMANDED : * * I hereby demand that you : 1. Permanently block and delete the fraudulent collection account from XXXX XXXX XXXX XXXX XXXX ( {$8000.00} ) from my consumer file within XXXX ( XXXX ) business days of receipt of this correspondence 1. Update your records to reflect that this account resulted from identity theft and is permanently blocked 1. Provide written confirmation of the blocking and deletion within five ( 5 ) business days 1. Ensure that this fraudulent account will never be re-inserted into my consumer file 1. Notify all parties who have received my consumer report within the past XXXX ( XXXX ) months of the deletion of this fraudulent information * * LEGAL CONSEQUENCES FOR NON-COMPLIANCE : * * Your failure to comply with these statutory requirements will constitute willful noncompliance under 15 U.S.C. 1681n, subjecting you to : - Actual damages sustained by the consumer - Statutory damages of not less than {$100.00} and not more than {$1000.00} per violation - Punitive damages as determined by the court - Attorneys fees and costs incurred in enforcing these rights * * CONSUMER PROTECTION NOTICE : * * This matter has been copied to the Consumer Financial Protection Bureau ( CFPB ) as required notification of potential FCRA violations. The CFPB maintains oversight authority over credit reporting agencies and monitors compliance with federal consumer protection laws. 

I have provided all documentation requested in your XX/XX/XXXX portal communication and have addressed each deficiency you identified. This fraudulent collection account resulted from identity theft, as confirmed by the apartment complex management and documented in my police report. There is no legitimate basis for continued reporting of this fraudulent information. 

I expect immediate compliance with federal law and your own stated requirements. Any further delay in blocking and deleting this fraudulent account will be considered willful noncompliance with the Fair Credit Reporting Act. 

Sincerely, 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 explanation