Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX XXXX, I learned that an unknown person used my personal information to obtain a line of credit and/or a payday loan. I became aware of XXXX accounts opened in my name after receiving notifications about changes to my Transunion credit report and Transunion began reporting XXXX charged-off accounts on my credit report. On XX/XX/XXXX, I filed an online Identity theft Report with the Federal Trade Commission ( FTC ). FTC Identity Theft Report Number XXXX listed XXXX fraudulent accounts : Account Name : REDACTED Account Number : REDACTED Account Date : REDACTED Balance : REDACTED Status : REDACTED Account Name : XXXX ( XXXX ) Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$4500.00} Status : Charge-off On XX/XX/XXXX, I wrote a letter to Transunion explaining the circumstances surrounding the suspected identity theft and requested that the REDACTED and XXXX accounts be blocked and removed from my credit report. I enclosed copies of the FTC filing, Transunions propriety dispute form, as well as personal identification documentations and proof of residence. 

On XX/XX/XXXX, Transunion replied with a form letter, wherein it acknowledged receipt of my fraud block request and explained that they are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report. The letter stated : Although TransUnion is unable to block the requested information at this time under section XXXXB of the FCRA, you may resubmit your request with a copy of an official, valid identity theft report to TransUnion at the address shown below. 

Examples of acceptable documents include : - A signed and official report filed with a Federal, state, or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information. 
- An electronic Identity Theft Report filed online with the FTC at www.identitytheft.gov - A XXXX. XXXX XXXX XXXX Report The letter further explained that, If [ I ] submit the requested identity theft report, we will review the additional information and, if acceptable, we will close the investigation and block the applicable items within XXXXbusiness days of receipt. 

On XX/XX/XXXX, I called Transunion and requested additional information about why the FTC filing was not accepted. Transunion was unable to provide any additional information. Therefore, I filed a new electronic identity theft report with the FTC and submitted a copy along with my personal identification documents and proof of residence. I confirmed that the documentation provided to Transunion included my personal identifying information, a certification that I was a vitim of identity theft and the specific dates as to when the fraud occurred, along with a list of the accounts being reported on my credit report inaccurately due to fraud. 

On XX/XX/XXXX, Transunion replied with the same form letter acknowledging receipt of my identity theft block request and stating that Transunion was denying my request. The XX/XX/XXXX included the same language as the XX/XX/XXXX letter. 

On XX/XX/XXXX, I filed a third identity theft report online with the FTC and attempted to dispute the fraudulent accounts for a XXXX  time. 

On XX/XX/XXXX, Transunion replied with a form letter and stated that the REDACTED account was removed and was now blocked from my credit report. However, the information regarding the XXXX account remained unchanged and Transunion continued to report the fraudulent account on my credit report. 

On XX/XX/XXXX, I contacted Transunion and spoke with a representative who advised that the identity theft report submitted in support of the XXXX dispute was a duplicate and could not be accepted. I sought clarification about why the FTC filing was considered a duplicate. The representative continued to repeat, The report is a duplicate. It is a duplicate. Because Transunion refused to accept the identity theft report without explanation, I filed a fourth identity theft report and submitted a dispute for the fraudulent XXXX account. 

On XX/XX/XXXX, I received the same form letter that I received in XXXX and XXXX wherein Transunion acknowledged receipt of my identity theft block request and stating that Transunion was denying my request to block the fraudulent XXXX  account. As of the date of this complaint, Transunion continues to reports the fraudulent XXXX account on my credit report. 

In XXXX, Congress amended the FCRA to include specific protections for victims of identity theft. Among the XXXX amendments is XXXX, which provides a mechanism for consumers to obtain a [ b ] lock of information resulting from identity theft. 15 U.S.C. XXXX ( codifying XXXX ). XXXX states that CRAs : shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and [, ] ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

15 U.S.C. XXXX ( a ). The statute goes on to provide that CRAs : may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( XXXX ) the information was blocked in error or a block was requested by the consumer in error ; ( XXXX ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or [, ] ( XXXX ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

15 U.S.C. XXXX ( c ). 

TransUnion has refused to block the reporting of the information that resulted from an identity theftnamely, the XXXX Accountdespite my provision to TransUnion of all the documentation required by statute. 15 U.S.C. XXXX ( a ). TransUnion has failed to carry out a proper investigation into the legitimacy of my claim and denied my request without any evidence whatsoever. This is clearly evidenced by the boilerplate recitation acceptable documentation and lack of any explanation of the results of its investigation. 

Additionally, XXXX continues to maintain that the account at issue is valid simply because the payday loan was deposited into an account with my name on it. I have explained to XXXX that my personal information, including the checking account at issue, was used to obtain loans and lines of credit. That does not make the account with XXXX valid. XXXX is in no position to tell me who used my account. And XXXX continued reporting of this fraudueletn acconutt hat was opened as the result of identity theft is a violation of the FCRA. 

The FCRA is intended to protect consumers from the transmission of inaccurate information about them, and to establish credit reporting practice that utilize accurate, relevant, and current information in a responsible matter. TransUnions blatant disregard for the statute and rules governing the dissemination of consumer credit information is appalling and should not be tolerated. 

I am asking for the CFPBs help in resolving this ongoing issue.

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