Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
Company : TransUnion Complaint Type : Incorrect information on your report ( account or personal information incorrect, information not mine ) Issue Summary I am a verified victim of XXXX XXXX with new and updated official documentation ( court cases, protective orders ) confirming my status. Under FCRA 605C, credit reporting agencies are required to block all adverse information resulting from XXXX. TransUnion has failed to do so, allowing numerous fraudulent, inaccurate, and trafficking-related accounts and addresses to remain on my credit report. 

This noncompliance has caused severe financial and emotional harm, including a credit score drop from XXXX to XXXX, loss of a {$480000.00} home purchase, over {$20000.00} in relocation and recovery expenses, and ongoing damage to my reputation and financial standing. 

Disputed Accounts & Information 1. Dept of Education / XXXX  Student Loans ( all fraudulently reported and not blocked despite trafficking protections ) Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Past due {$47.00} Status : 1 Late Payment Account # XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Past due {$120.00} Status : 1 Late Payment Account # XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Past due {$100.00} Status : 1 Late Payment 2. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Collection for " XXXX XXXX XXXX '' Balance {$820.00} Status : Derogatory Fraudulent account related to identity theft and trafficking period. 

XXXX. XXXX XXXX XXXX Charge-off Account Account # XXXX Opened XX/XX/XXXX Charged off with {$1600.00} past due Fraudulent credit card account opened XXXX. Incorrect Addresses Reported ( Identity Theft ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not mine and were used fraudulently during XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account Reported with erratic, unauthorized changes inconsistent with my account management.

I have never closed, reopened, or been late on this account.

Legal Violations FCRA 605C ( 15 U.S.C. 1681c-3 ) Failure to block all XXXX-related adverse information within 4 business days of documentation.

FCRA 602 Willful failure to maintain maximum possible accuracy in credit reporting.

FCRA 611 Failure to conduct a reasonable and lawful reinvestigation upon dispute.

FCRA 623 Failure to ensure furnishers correct or delete fraudulent information after notice. 

XXXX / UDAAP ( 12 U.S.C. 5531 ) Engaging in unfair, deceptive, and abusive practices by refusing to block and delete trafficking-related fraudulent data.

Civil Rights Violations Ignoring federally protected status under Trafficking Victims Protection Act ( TVPA ) and causing ongoing harm.

Harm & Damages Credit score drop from XXXX to XXXX, severely damaging my ability to access credit and housing.

Loss of {$480000.00} home purchase due to inaccurate reporting.

Over {$20000.00} in relocation, emergency expenses, and damage control costs.

Severe emotional distress, trauma, and ongoing financial hardship.

Exposure to dangerous circumstances due to fraudulent addresses on my report.

Additional Notes I have attached new and updated XXXX XXXX victim documentation, including
court records and protective orders. TransUnions failure to block or correct these accounts after receipt of such documentation is willful and legally actionable.

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