Consumer complaint received 2025-10-08 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:
Subject : Identity theft, illegal reinsertion, unauthorized inquiries, and failure to maintain accurate file immediate deletion and block requested under FCRA 605B, 611, 604, 623 ; UCC repossession notice violations I am a verified victim of identity theft. TransUnion is reporting multiple tradelines, collections, and hard inquiries that are fraudulent, inaccurate, obsolete, or were illegally reinserted after prior deletion. TransUnion must comply fully with the Fair Credit Reporting Act and remove and block these items immediately.

Summary of requests ( delete & block ) : Permanently delete and block all fraudulent/unverified accounts listed below under FCRA 605B ( identity theft block ), and prevent any future reinsertion without my express written consent.

Delete all unauthorized hard inquiries listed below under FCRA 604 ( a ) ( 2 ).

Delete any reinserted tradelines that were previously removed from other bureaus, unless the furnisher provides certified validation and written notice to me as required by law. 
Correct/remove all outdated or unrelated addresses and personal identifiers under FCRA 607 ( b ).

Provide written confirmation of deletions and a corrected TransUnion report within 30 days per FCRA 611 ( a ).

Items to delete/ block ( as shown on my TransUnion screenshots ) : Accounts : XXXX XXXX ( auto loan / charged off {$14000.00} ), XXXX XXXX XXXX ( reinserted / closed with derogatory reporting ), XXXX XXXX ( duplicate/closed entries ), XXXX XXXXXXXX, and any other tradelines on my report that I did not open or that were previously deleted and have been reinserted. 
Hard inquiries ( remove ) : XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> duplicates ), XXXX XXXX ( XX/XX/year> ), XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), and any other inquiries appearing on the report for which I did not provide written authorization. 

Legal and factual basis ( concise ) : 1. Identity theft / mandatory block ( FCRA 605B ). I am a victim of identity theft ; these tradelines are not mine and must be blocked and removed under 605B. XXXX and TransUnion ( and/or the furnishers ) have already deleted similar items on other bureaus TransUnions retention or reinsertion of these items is unlawful. 
2. Illegal reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ). Reinserted accounts that were previously deleted must be certified by the furnisher and I must be notified before reinsertion. TransUnion has reinserted items ( XXXX and others ) without required certification and notice delete and suppress. 
3. Failure to verify/ failure to correct ( FCRA 611 ( a ) & 623 ). Furnishers must report accurate information and respond to reinvestigations. I previously disputed these items and TransUnion either did not conduct a reasonable reinvestigation or relied on furnisher information that is not valid. The furnisher has not provided lawful documentation ( contracts, sale/auction notice, right-to-redeem, deficiency accounting ) to support repossession balances or reinserted data. That violates 611 and the furnisher duty in 623. 
4. Repossession / sale notice violations ( UCC 9-611, 9-614, 9-616 ). For any account reported as a repossession or deficiency ( e.g., auto loan ), the creditor must provide proper Right-to-Redeem and sale/auction notice and accurate post-sale accounting before reporting a deficiency or repossession balance. I never received a Right-to-Redeem notice, sale/auction notice, or post-sale accounting for the XXXX XXXX / XXXX reporting this makes the tradeline legally unverified and unsuitable for reporting. 
5. Unauthorized inquiries ( FCRA 604 ( a ) ( 2 ) ). The listed hard inquiries were not authorized in writing and do not have a permissible purpose. They must be deleted.

6. Accuracy requirement ( FCRA 607 ( b ) ). TransUnion must maintain maximum possible accuracy. The presence of duplicate, obsolete, or reinserted tradelines and wrong addresses fails that statutory obligation.

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