Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am filing this urgent complaint with the Consumer Financial Protection Bureau ( CFPB ) to demand an immediate, thorough investigation and the imposition of the maximum possible penalties against Experian, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX ( XXXX ) for their willful, flagrant, and unconscionable violations of federal law in perpetuating identity theft through the repeated illegal reinsertion of a fraudulent XXXX XXXX credit card account ( ending in XXXX ) on my credit reports, and now escalating to XXXX 's baseless and abusive lawsuit to collect on this non-existent debt. This accountfraudulently opened on XX/XX/year>, with a {$2500.00} balance, XXXX XXXX utilization, and derogatory charge-off statushas been disputed, verified as fraudulent, and removed MULTIPLE TIMES via my FTC Identity XXXX Reports, yet these entities continue to reinsert it without verification, certification, or notice, directly enabling XXXX 's XXXX collection attempts. This is not mere incompetence ; it is a deliberate, systemic assault on my rights as an identity theft victim, causing catastrophic damage to my XXXX XXXX, financial stability, emotional health, and now exposing me to unwarranted litigation stress and costs. I will not tolerate this outrageous misconduct any longer and demand swift justice. 
This fraudulent account is unequivocally the result of identity theft, as confirmed by my FTC reports ( enclosed ). XXXX XXXX has NO RIGHT to report or furnish this information, as it stems from criminal fraud, and their continued reporting violates federal law, directly fueling XXXX 's invalid collection efforts. XXXX, in turn, lacks ANY proper validation of this " debt '' they have provided no original contract, account statements, or proof of assignment, despite my demandsand their lawsuit is a sham built on unverifiable, fraudulent data. This pattern has inflicted severe harm : plummeting credit scores, denied credit opportunities, increased borrowing costs, emotional distress requiring therapy, and now legal defense expenses exceeding thousands of dollars. I hold these entities fully accountable for facilitating ongoing identity theft and abusive collections. 
These actions constitute willful and repeated violations of multiple federal and state laws, including but not limited to : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) : 605B ( 15 U.S.C. 1681c-2 ) : Mandates blocking of fraudulent information within XXXX business days upon receipt of an identity theft report. Despite my multiple FTC submissions, the CRAs and XXXX XXXX have defiantly failed to block or permanently delete this account, allowing its repeated reinsertions and enabling XXXX 's suit. 
611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Prohibits reinsertion without furnisher certification and consumer noticenone of which has EVER occurred, proving intentional noncompliance. 
611 ( a ) ( 1 ) : Requires reasonable reinvestigation of disputes, flagrantly ignored despite my exhaustive evidence. XXXX XXXX 's furnishing of this fraudulent data is unlawful and must cease immediately. 


Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) : XXXX 's lawsuit and collection attempts violate 1692g ( failure to validate debt upon demand ), 1692e ( false representations of a debt I do not owe ), and 1692f ( unfair practices, including pursuing unvalidated, fraudulent debts ). Their refusal to provide validationclaiming false representationsexposes their predatory tactics. 
Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : These entities are facilitating federal identity theft crimes by reinserting and collecting on fraudulent accounts.

Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201 et seq. ) : Outlaws these deceptive reporting and collection practices, entitling me to treble damages and injunctive relief.

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