Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Dispute Updated FTC Identity Theft Affidavit Submitted for Immediate Blocking of Fraudulent Account ( XXXX XXXX XXXX XXXX XXXX {$8000.00} | Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) Dear TransUnion Dispute Department, This letter is in response to the email correspondence I received from TransUnion dated XX/XX/XXXX ( File Number : XXXX ), in which you informed me that my prior request to block the fraudulent collection account reported by XXXX XXXX XXXX XXXX XXXX was rejected due to missing or incomplete information in my FTC Identity Theft Affidavit.

As instructed, I have updated and corrected the FTC Identity Theft Affidavit to fully satisfy the requirements outlined in your response. The revised affidavit now includes all the following information : My full legal name and identifying information The name of the fraudulent data furnisher : XXXX XXXXXXXX XXXX XXXX  XXXX The full account number associated with the fraudulent account : # XXXXXXXX XXXX XXXX XXXX XXXX  The date of the fraudulent activity : on or around XX/XX/XXXX A detailed description of the identity theft incident, including how my information was misused to rent an apartment at XXXX at XXXX XXXX XXXXXXXX A declaration that I did not authorize or open this account My signature and date In addition to the corrected FTC affidavit, I am now enclosing the full documentation required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) for immediate action : 1. Corrected and updated FTC Identity Theft Affidavit 2. Identity Theft Police Report filed with the XXXX XXXX Police Department 3. Copy of my government-issued ID 4. Copy of my Social Security Card 5. Recent utility bill for address verification As such, my dispute and supporting documentation now fully meet all criteria outlined in the Fair Credit Reporting Act for a formal Fraud Block Request. Under 15 U.S.C. 1681c-2, TransUnion is legally obligated to block and remove this fraudulent account from my credit file within four ( 4 ) business days of receiving the proper documentationwhich you now have in your possession.

Please be advised that continued reporting of this fraudulent account after the proper documentation has been submitted is a violation of federal law and may result in formal complaints being escalated to the CFPB, FTC, and legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

I demand that TransUnion immediately block and permanently delete the XXXX XXXX XXXX XXXX XXXX XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Balance : {$8000.00} ) from my credit report and confirm the removal in writing. I also request a copy of the updated credit report reflecting the correction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 explanation