Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding their reporting practices that have adversely affected my credit report due to identity theft. 

I have recently discovered that inaccurate information has been reported on my credit report by TransUnion, including accounts and inquiries that I did not open or authorize. Despite my efforts to resolve this issue directly with TransUnion, including providing documentation supporting my claim of identity theft, the inaccurate information remains on my credit report, significantly impacting my credit score and overall financial stability. 

The Fair Credit Reporting Act requires credit reporting agencies to ensure the accuracy of the information they provide. Unfortunately, my experience with TransUnion has been frustrating and unproductive. I have taken the following steps in an effort to rectify the situation : 1. Provided documentation : I submitted a detailed dispute to TransUnion along with supporting documents including identity theft affidavit. 
2. Followed up : I have contacted TransUnion multiple times to check the status of my dispute, but each time I am met with vague responses and no resolution. This fraudulent account has been reinserted to my credit report on two occasions. 
a. Unclear or Misleading Dispute Outcomes : The results of the reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof leaving me unable to determine the resolution. No legal documentation has been provided with my original signature or consent deeming ownership of this account. 

b. A detailed written explanation of the outcome of the reinvestigation : explicitly identifying any updates, deletions, or reasons for the disputed information being placed on my credit report. 

Specifically, I am disputing the following inaccuracies that have been linked to identity theft and reinserted to my credit file : XXXX. XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX an account that opened without my consent. I do not own real estate in the state of XXXX. 

I am a victim of Identity Theft, and an FTC report was filled in XXXX, and a 7-year extended fraud alert has been active since XXXX to protect my credit file. I am a plaintiff to the XXXX Data Breach Lawsuit and was affected by this as well. I filed another FTC report XX/XX/XXXX that included the stated inaccuracy listed above. TransUnion reinserted this fraudulent information to my credit file with no solution to protect me as a consumer. 

Despite these efforts, TransUnion has failed to correct the false information, leaving me vulnerable to further damage to my credit. The continued presence of this inaccurate information is not only a violation of my rights but also poses significant challenges for my ability to secure credit, housing, and employment opportunities. 

I urge the Consumer Financial Protection Bureau to investigate TransUnion 's practices regarding the handling of identity theft cases and to enforce compliance with the Fair Credit Reporting Act. No consumer should have to endure the financial and emotional toll that inaccurate credit reporting can cause, especially in cases of identity theft.

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