Consumer complaint received 2025-12-07 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: MT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION INTERMEDIATE HOLDINGS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : DIRECT DISPUTE UNDER FCRA XXXX & REQUEST FOR IDENTITY-THEFT BLOCK UNDER FCRA 605B To Whom It May Concern : I am submitting this dispute for the THIRD TIME, personally and acting solely on my own behalf. I certify that no third party, credit repair organization, or representative is submitting this for me. Any previous claim by TransUnion stating or implying that this dispute was not initiated by me is false, inaccurate, and a violation of your duties under FCRA 611 ( a ).

This is my third formal dispute regarding fraudulent accounts and inquiries appearing on my TransUnion credit file. I am again notifying you that I am a victim of identity theft and am invoking my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ) blocking and deletion of identity-theft-related information FCRA 611 ( 15 U.S.C. 1681i ) reinvestigation requirements FCRA 602A & 623 accuracy and reporting obligations Identity Theft Notification I became aware that my personal information was compromised and used without my authorization. As a result, the following accounts and inquiries were opened without my knowledge, consent, or permission. These items are fraudulent and must be blocked and permanently deleted from my TransUnion file pursuant to FCRA 605B. 

Fraudulent Accounts and Inquiries to Be Removed and Blocked : 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  TransUnions Previous Response Was Non-Compliant Your prior letter suggesting that this dispute was not submitted by me is improper and constitutes failure to conduct a reasonable reinvestigation, as required by FCRA 611 ( a ) ( 1 ).

You are hereby instructed that : This dispute is directly from me, the consumer.

My identity has been verified with the personal information included in this letter.

You have no lawful basis to deny, delay, or dismiss this dispute.

Required Action : Under FCRA 605B, TransUnion must block and delete the fraudulent information within four ( 4 ) business days of receiving : My identity-theft statement ( this letter ) ; and Identification verifying my identity ( enclosed ).

You are required to : Conduct a lawful reinvestigation under FCRA 611 ( a ).

Block and delete all identity-theft-related information under 605B. 

Send an updated consumer file reflecting the deletions. 

Notify furnishers to cease reporting the fraudulent data. 

Stop claiming this dispute was submitted by a third party. I am the sole author. 

Failure to comply will result in immediate escalation to the CFPB, FTC, and my state Attorney General, as well as a request for statutory damages for willful noncompliance under FCRA 616 & 617.

I expect written confirmation of the deletions promptly. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of My ID Copy of My SSN Proof of My address XXXX FTC Complaints

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