Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against TransUnion Willful Noncompliance with FCRA and Mishandling of Identity Theft Disputes Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report TransUnion LLC for egregious and ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite my submission of full documentation proving identity theft, TransUnion continues to report fraudulent and inaccurate information on my credit report in violation of multiple consumer protection laws. 
Disputed Items Still Reporting Inaccurately : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$8000.00} ( Fraudulent Collection Account ) XXXX  XXXX Bankruptcy {$0.00} Reference Number : XXXX Date Filed : XX/XX/XXXX Details of the Dispute : I submitted all the required identity theft documentation to TransUnion, including : A completed FTC Identity Theft Affidavit An official identity theft police report filed with the XXXX XXXX Police Department A signed business card from the XXXX who took the report A copy of my government-issued ID and Social Security card Despite this, TransUnion refuses to delete the fraudulent collection account by XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX which stems from a lease fraudulently opened in my name at XXXX XXXX XXXX XXXX XXXX The property manager confirmed that the perpetrator was of XXXX  ethnicity, which I am not, and that I have no connection to the unit in question. 
This account is not reporting on any other bureau or third-party agency : XXXX XXXX XXXX XXXX XXXX Likewise, the XXXX  XXXX Bankruptcy TransUnion is reporting does not exist on my credit profiles from any of the agencies listed above. I have never filed for bankruptcy, nor do I carry debt that would justify doing so. 
Shocking Admission by TransUnion Supervisor : During a recent phone call with XXXX Washington, a supervisor in TransUnions Special Handling Department, I was informed that TransUnion does not follow FCRA guidelines when processing disputes. When I asked if they were bound by the FCRA, she explicitly said, TransUnion follows its own internal policies. 
When I pressed her to clarify whether TransUnion follows federal law, she repeated this position multiple times. She also confirmed that all of my supporting documentation had been received, yet refused to delete the clearly fraudulent and inaccurate accounts. 
FCRA Violations Committed by TransUnion : 15 U.S.C. 1681c-2 : Requires blocking of information resulting from identity theft upon valid documentation.

15 U.S.C. 1681e ( b ) : Requires maintenance of maximum possible accuracy.

15 U.S.C. 1681i : Mandates reinvestigation and deletion of unverified information within 30 days.

15 U.S.C. 1681n & 1681o : Provides civil liability for willful or negligent noncompliance. 
Requested Resolution : I respectfully request that the CFPB investigate and take regulatory action against TransUnion for : Refusing to follow FCRA-mandated dispute procedures Continuing to report fraudulent and inaccurate information Admitting they operate under their own policies rather than the law Refusing to remove a fraudulent collection account despite full legal documentation Falsely reporting a bankruptcy that does not exist and is unsupported by any other source I further request that the CFPB compel TransUnion to : Permanently delete and block the XXXXXXXX XXXX XXXX XXXX XXXXXXXX account Immediately remove the XXXX  XXXX Bankruptcy ( Ref. No. XXXX ) Ensure future compliance with FCRA regulations during consumer disputes Thank you for your time and attention to this matter. I am prepared to submit supporting documentation upon request and pursue further legal action if necessary. 

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 non-monetary relief