Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is in regards to the account related to XXXX XXXX XXXX  This account is directly related to identity theft. The debt collector XXXX XXXX XXXX purchased a fraudulent account from XXXX XXXX an is now reporting this fraudulent debt to XXXX XXXX XXXX XXXX XXXX  XXXX report. The original creditor XXXX XXXX is where the fraudulent debt originally stemmed from. I already filed an ftc report, and CFPB report for the original account for XXXX XXXX which was proven fraudulent and deleted from XXXX XXXX XXXX XXXX consumer report back in XX/XX/2024 by experian. The debt collector XXXX XXXX XXXX purchased a fraudulent account and is now attempting to have me pay the fraudulent debt under threat of duress and coercion by reporting the fraudulent debt as a collections account on my TRANSUNION XXXX report. I demand this account be removed immediately due to the fact it is directly related to identity theft having stemmed from the XXXX XXXX account that was identity theft. Failure to delete this fraudulent account 4 days after receipt of this notice will be deemed civil noncompliance under the FCRA. It is not my fault XXXX XXXX XXXX purchased a fraudulent debt XXXX XXXX XXXX shouldve done their due dilligence before purchasing the fraudulent debt. This formal complaint is being submitted regarding the unauthorized and unlawful actions taken by This formal complaint is being submitted regarding the unauthorized and unlawful actions taken by XXXX XXXX XXXX, and their reporting of a fraudulent debt to the credit reporting agencies in violation of multiple federal statutes. The following outlines the facts, legal violations, and harm caused to me, the consumer, and their reporting of a fraudulent debt to the credit reporting agencies in violation of multiple federal statutes. The following outlines the facts, legal violations, and harm caused to me, the consumer. XXXX. Identity Theft & Fraudulent Accounts An unauthorized accounts were fraudulently opened in my name under XXXX XXXX. I have never opened these accounts, nor authorized their creation. These accounts were charged off and sold to XX/XX/XXXX. I have filed an identity theft report with the FTC and I demand that these fraudulent accounts be removed from my credit report pursuant to 15 U.S.C. 1681c2.

2. No Consent to Report or Collect Debt I did not grant XXXX XXXX XXXX prior consent to report any debt to the credit reporting agencies. There was no court order authorizing such action. This violates 15 U.S.C. 1692c ( a ) which prohibits communication with third parties about a debt without consent or court permission. 
XXXX. False and Misleading Reporting XXXX XXXX XXXX failed to accurately mark the account as disputed and continued to report false information. This is a violation of 15 U.S.C. 1692e ( 8 ). Additionally, there is no signed contract between me and XXXX XXXX XXXX regarding this debt, rendering their reporting deceptive under 15 U.S.C. 1692e ( 2 ), ( 5 ), ( 10 ), and ( 12 ). 
XXXX. Failure to Investigate Disputes Despite my formal disputes, XXXX XXXX XXXX failed to properly investigate or validate the alleged debt. Continued reporting under these circumstances violates 15 U.S.C. 1681n and 1681o.

5. Financial and Emotional Harm Due to the actions of XXXX XXXX XXXX, I have suffered credit denials, loss of housing opportunities, stress, anxiety, and mental anguish. This constitutes actual damages under 15 U.S.C. 1692k ( a ) ( 1 ). 
XXXX. Unauthorized Use of Social Security Number XX/XX/XXXXused my Social Security Number without authorization in an attempt to collect and report debt, violating 15 U.S.C. 1644 ( a ).

7. Gramm-Leach-Bliley Act Violation I was not given the opportunity to opt out of data sharing or reporting, a violation referenced under the Gramm-Leach-Bliley Act and 15 U.S.C. 6802. 
XXXX. Legal Relief Requested I demand the immediate removal of the XXXX XXXX XXXX account from all credit reporting agencies under FCRA 1681c2. I further request an investigation into the actions of XXXX XXXX XXXX and all relevant parties for the aforementioned violations. I also reserve my right to pursue civil action for damages under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX

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