Consumer complaint received 2025-07-01 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. Incorrect Name - XXXX XXXX XXXX XXXX. Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX. Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted. 
Unauthorized Inquiry Deletion Demand FCRA 604 You are reporting one or more hard inquiries on my credit file that were made without my knowledge, consent, or permissible purpose. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a report under specific, legally authorized circumstances, including written instruction or credit application. I did not authorize these inquiries and demand their immediate removal. 
Inquiries to Remove : XXXX. XXXX  XXXX - XX/XX/XXXX You are required to provide proof of permissible purpose, including signed authorization, application, or service request. Failure to do so constitutes a willful violation of the FCRA and will result in further legal action. 
FCRA 605B Mandatory Blocking of Fraudulent Account Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), once I have notified you that this account is fraudulent, you are legally required to block all reporting of the account within four ( 4 ) business days. You are also required to notify the furnisherwhether the original creditor or any third-party agencythat the account has been identified as fraudulent and must no longer be reported.

This mandate is clearly outlined under 15 U.S.C. 1681c-2 ( a ) ( 1 ) ( 3 ). Failure to comply constitutes a direct violation of federal law and exposes your agency to liability for damages under 15 U.S.C. 1681n ( FCRA 616 ) for willful noncompliance and 1681o ( FCRA 617 ) for negligent noncompliance.

Legal Precedents Holding You Accountable Credit reporting agencies are not above the law. You are held to strict legal standards under the FCRA and relevant case law, and failure to comply results in direct liability. 
The following binding legal precedens make your responsilities clear : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Bureaus must perform a reasonable reinvestigationnot surface-level form responses. 
XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) Bureaus have an independent duty to verify, not rely solely on furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Failing to investigate disputed data constitutes a violation of FCRA 1681i, making the agency liable for damages under 15 U.S.C. 1681n ( willful violations ) and 1681o ( negligent violations ).

In addition, under the Fair and Accurate Credit Transactions Act ( FACTA ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 1681c-2 ( a ), you are legally required to block and permanently remove the fraudulent account once it has been reported by the consumer.

Failure to investigate or remove the account will be interpreted as willful noncompliance and reckless disregard of federal law. I will not hesitate to escalate this to federal authorities, including the CFPB, FTC, and U.S. District Court.

FCRA 611 Formal Demand for Method of Verification & Prohibition of Conflicted Data Sources 2 of 10 If you choose to verify this account instead of blocking and deleting it under FCRA 605B ( 15 U.S.C. 1681c- 2 ), I am formally invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ) and demand the following non- negotiable documentation : Detailed written explanation of your verification process.

Full name, title, and contact of all individuals involved.

Certified wet-ink signed contract from the original creditor ( no e-signatures unless accompanied by IP data ). 
Electronic or digital signatures will not be accepted unless accompanied by IP address, geolocation data, and device fingerprinting, as required for verifiable authentication under federal evidentiary standards. 


Internal system notes and communication logs. 
Sworn affidavit from a bureau representative verifying compliance. 
Proof that the account was verified by an independent third-party source, with all documentation originating directly from the original creditor. 
Verification from a subsidiary, affiliate, or data furnisher owned or controlled by your agency is not acceptable and violates the independence requirement under 15 U.S.C. 1681i ( a ).

If the furnisher claims to possess a signed fraud affidavit or any documentation asserting I openedthis account, I demand an exact copy.

Failure to provide such documentation will be treated as a formal admission that no such evidence exists, and any continued reporting will constitute a willful violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), subject to civil liability under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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