Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
( TRANSUNION ) I XXXX XXXX XXXX XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job XXXX XXXX  and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report No XXXX ) with XXXX Police Department. Ive also mailed in certified letters to TRANSUNION. I received nothing. Im also sure my information was leaked due to the information breach with TRANSUNION. I was instructed to go to XXXX. I was prompted to enter my last name and the last XXXX digits of my social security number, at that point I saw that my information was compromised due to TRANSUNION security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. He notice several instances where TRANSUNION are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. TRANSUNION continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that TRANSUNION did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA. If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that TRANSUNION will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX  has violated the FCRA .. TRANSUNION has refused to remove fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. COLLECTION {$260.00} ACCOUNT NUMBER XXXX OPEN ACCOUNT. COLLECTION {$160.00} ACCOUNT NUMBER XXXX OPEN ACCOUNT.These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud department Please do not place a fraud alert on my credit profile. I am aware of the circumstances and understand the risk. I still would like these fraud and erroneous accounts of my credit to be processed to the full extent of the FCRA under the guidelines of identity theft.

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