Consumer complaint received 2026-02-20 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: NY

Complaint narrative:
Re : Request to Reinvestigate & Delete Accounts Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information I reviewed my consumer report and identified areas for dispute. I have had emotional suffering as a result of this situation, and I have recently considered suicide as a result, thus I demand that it be resolved in a fair and equitable manner, which has not occurred. 
A consumer report is defined as the following, under the Fair Credit Reporting Act : ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
The items above do not include the use of " XXXX, '' which is the scoring system employed by YOUR AGENCY to evaluate me as a consumer. XXXX is not included in the consumer report and is a consideration your agency has taken on in the job they have adopted per the Fair Credit Reporting Acts Congressional findings section which states the following : ( a ) Accuracy and fairness of credit reporting PERSONAL INFORMATION DISPUTE : I am demanding that your agency correct these personal items of information, and remove the incorrect items of information. 
1. My FULL NAME is listed above, Please remove all other name variations IMMEDIATELY. They are not accurate! 
2. My current address is listed above, Please remove all other addresses IMMEDIATELY. They are not accurate!

3. My social security number is listed above, please remove any inaccurate social security number variation ( s ) IMMEDIATELY. They are not Accurate!

4. My Date of Birth is listed above, please remove all other Date of Birth ( s ) IMMEDIATELY. They are not Accurate!

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 
INACCURATE INFORMATION DISPUTE : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$560.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$9100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$7100.00} These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Additionally, your agency has violated my consumer rights and violated federal law under the permissible purposes section ; theres proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

15 USC 1666b - timing of payments, the law clearly states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In regard to the items above having late payments, it is important to note that those are to be excluded from a consumer report as well, per 15 USC 1666b, so there are various violations your agency is committing by willingly continuing to report this information.

I am DISTRESSED that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ).

I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize.

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer I have provided all 4 pieces of information and expect these listed accounts above to be deleted and blocked within four business days of your receipt of this notice, otherwise you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 
DELETE THESE ITEMS AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT! 
This letter was not sent in error, is not a misrepresentation of material fact relevant to the request to block. I AM NOT requesting a SECURITY/FRAUD ALERT to be put on my credit report. I am not giving my authorization for anyone at this credit reporting agency to place a security or fraud alert on my credit report. Therefore, I am demanding that No security or fraud alert be placed on my credit report and if one is currently there that it be removed immediately.

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