Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I am writing to follow up on my previous dispute, submitted on XX/XX/XXXX, regarding the inaccurate and fraudulent reporting of the following account on my credit file : XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Opened On : XX/XX/XXXX Balance : {$10000.00} This account is fraudulent, and I have already provided sufficient documentation, including proof of identity, to support my dispute. Despite this, I received a stall letter requesting proof of identity, which I have already sent multiple times, including to the Consumer Financial Protection Bureau ( CFPB ). This repeated request is not only redundant but also violates the Fair Credit Reporting Act ( FCRA ) by failing to properly reinvestigate the dispute and resolve it promptly. 

Relevant Legal Violations Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : Under the FCRA, TransUnion is required to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to do so, including reliance on unverifiable or incomplete information, is a violation of this law. 
Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : If the disputed account can not be verified, TransUnion is legally obligated to delete the information. Since you have not provided any supporting documentation from the furnisher to verify this account, it must be removed immediately. 
Failure to Notify of Results of Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : TransUnion failed to provide proper documentation or evidence supporting the continued reporting of this account in its response to my original dispute. 
Improper Stalling Tactics and Requests ( 15 U.S.C. 1681a ( 4 ) ) : By requesting proof of identity that I have already submitted, TransUnion is engaging in unreasonable stalling tactics, further delaying the resolution of my dispute. 
CFPB Precedent In light of the recent CFPB lawsuit against XXXX ( XX/XX/XXXX ) for its failure to properly investigate disputes and ensure accurate reporting, I expect TransUnion to comply with its obligations under the FCRA and avoid repeating similar violations. TransUnion must conduct a thorough, independent investigation without blindly accepting unverifiable claims from the furnisher. 

Resolution Demanded Given the clear violations of my rights and the failure to properly investigate this matter, I am demanding the following actions within 4 calendar days from the receipt of this letter : Immediate Deletion of the Disputed Account : If TransUnion can not provide documentation verifying the accuracy and ownership of the account, it must be deleted immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ). 
Removal of Hard Inquiries : Any hard inquiries associated with this account, including those initiated without permissible purpose, must also be removed. 
Provision of Documentation : If TransUnion insists on continuing to report this account, I demand that you provide : The specific documents used to verify the account. 
The identity of the individual or entity who verified the account. 
A detailed description of the methods used during the investigation.

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