Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Formal Dispute of Fraudulent Accounts and Unauthorized Bankruptcy Filing Under the Fair Credit Reporting Act ( FCRA ) and Related Consumer Laws To Whom It May Concern, I am formally disputing multiple fraudulent accounts and an unauthorized bankruptcy filing that have appeared on my credit reports with XXXX, XXXX, and TransUnion in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The attached police reports from the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ) substantiate that I am a victim of identity theft and financial fraud. 

Legal Grounds for This Dispute : 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or fraudulent information on my credit report. 
The credit bureaus and furnishers must investigate within 30 days and remove fraudulent accounts per 15 U.S.C. 1681c-2 ( Fraud and Active Duty Alerts ).

Failure to remove verified fraudulent information is a direct violation of 15 U.S.C. 1681n & 1681o, which entitles me to damages and legal recourse.

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : Debt collectors must cease collection efforts on fraudulent accounts under 15 U.S.C. 1692g ( b ).

Reporting fraudulent debts as valid violates 15 U.S.C. 1692e ( 8 ), which prohibits false credit reporting. 
3. Fraudulent Bankruptcy Filing ( 18 U.S.C. 157 Bankruptcy Fraud ) : The XXXX XXXX XXXX recorded on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) was filed without my knowledge or consent. 
This fraudulent filing violates federal bankruptcy fraud laws ( 18 U.S.C. 157 ), and I demand its immediate removal. 

Fraudulent Items to Be Removed Immediately : Creditor/Account Name Account Number ( Partial ) Date Opened Disputed Amount Notes XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$73.00} Fraudulent account XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) N/A Fraudulent bankruptcy filing Requested Actions Under the Law : 1. IMMEDIATE REMOVAL of all fraudulent accounts and bankruptcy filings from my credit report under 15 U.S.C. 1681c-2.

2. CEASE ALL COLLECTION ACTIVITIES on fraudulent accounts under 15 U.S.C. 1692g ( b ).

3. FORWARD THIS DISPUTE to all relevant data furnishers, as required under 15 U.S.C. 1681i ( a ) ( 2 ). 
4. PROVIDE A WRITTEN RESPONSE within 30 days, as required by federal law. 

I have attached : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ) proving identity theft. 
Credit Report Highlighting Fraudulent Accounts and Bankruptcy.

Copy of My Identification for Verification. 

Failure to comply with federal consumer laws will result in formal complaints with the Federal Trade Commission ( FTC ), legal action, and potential statutory damages under FCRA and FDCPA. 

I expect a full resolution and removal of all fraudulent items within 30 days, per federal law. 

Sincerely, [ 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