Consumer complaint received 2025-12-02 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: WA

Complaint narrative:
I am filing this complaint against TransUnion because I am a victim of identity theft, stolen mail, and unauthorized access to my personal and digital financial accounts. TransUnion is reporting fraudulent, inaccurate, and unverified information about me, yet I am unable to access my own credit file, preventing me from reviewing, disputing, or correcting identity-theft-related entries. 

When attempting to create or access my TransUnion account online, I repeatedly receive a message stating that TransUnion can not find a match for my information. I used my correct Social Security number, full legal name, current address, and multiple verified email addresses. Despite this, TransUnion still blocks access to my file, leaving me unable to exercise my rights under the FCRA. 

This issue began after a period of documented stolen mail and an active XXXX XXXX XXXX investigation involving a neighbor suspected of mail theft and unauthorized access to secure XXXX mailboxes. My sensitive financial mail, including account notices, statements, and personal information, was compromised during this time. 

During the same period, my XXXX XXXX XXXX ), XXXX, and XXXX accounts were accessed without my authorization. These platforms contain linked cards, payment information, and financial data, and the unauthorized access coincides with fraudulent credit card accounts, unauthorized payments, and an unauthorized hard inquiry appearing on my credit files at the other bureaus. 

In addition, I discovered that payments labeled as autopay were being withdrawn from my XXXX checking account toward XXXX credit card accounts that I did not authorize, apply for, or set up. Unauthorized access to my financial accounts and compromised digital platforms can enable unauthorized automatic payments. These autopay withdrawals do not establish ownership or legitimacy of the XXXX credit card accounts ; they are further evidence of the same identity-theft activity. 

Because of these circumstances, it is likely my TransUnion file is mixed, split, restricted due to suspected fraud, or contains inaccurate and unauthorized information. Despite this, TransUnion has not provided assistance, identity verification, or access to my consumer file. Preventing me from accessing my own credit report while fraudulent information is present violates my rights under : FCRA 602 FCRA 604 FCRA 605B FCRA 609 and 609 ( e ) FCRA 611 FCRA 615 I am not requesting validation of the fraudulent accounts or inquiries. The statutory timeframe for validation has expired. I am requesting permanent deletion and blocking of all identity-theft-related information under FCRA 605B once TransUnion locates and unlocks my file.

Because my file is inaccessible, I can not see all fraudulent entries yet. Therefore, I am requesting the same corrections and protections here that I have requested with the other credit bureaus.

Requested Resolution I request that the CFPB require TransUnion to : 1. Manually locate, unlock, and restore access to my full credit file, since their system can not find a match.

2. Complete manual identity verification so I can access and review my TransUnion report.

3. Permanently delete and block all identity-theft-related credit card accounts, including ( but not limited to ) XXXX XXXX, XXXX, XXXX Bank, and any other fraudulent accounts that appear on my file.

4. Permanently delete all unauthorized hard inquiries made without my knowledge or consent.

5. Remove any inaccurate or fraud-linked addresses, leaving only my current valid address on file.

6. Correct all personal identifying information, including removing any incorrect formerly known as names or misspellings. 7. Mail
me a full physical copy of my complete TransUnion consumer file, as required under FCRA 609, since online access is blocked.

8. Provide written confirmation that all deletions and corrections have been completed and that no information will be reinserted without proper certification under FCRA 611 ( a ) ( 5 ) ( B ).

TransUnions refusal to grant access to my file is preventing me from resolving identity theft and is causing ongoing harm. I request full enforcement of my rights under the FCRA and immediate corrective action.

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