Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Against TransUnion Noncompliance with FCRA Regarding Fraudulent Bankruptcy and Collection Reporting Dear CFPB Investigations Division, I am submitting this formal complaint against TransUnion LLC for its ongoing failure to properly investigate and remove fraudulent and inaccurate items from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
The following two entries are wrongfully reporting on my TransUnion credit file only : XXXX. XXXX XXXX XXXX XXXX XXXX {$8000.00} ( fraudulent collection account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) These accounts are not reporting on XXXX XXXX XXXX, XXXX, or XXXX, and have no legal basis to remain on my file. I have submitted all required documentation multiple times under 15 U.S.C. 1681c-2, including my FTC Identity Theft Affidavit, LAPD Identity Theft Police Report, a copy of my government-issued ID, SSN card, and utility bill. 
NEW EVIDENCE XXXX LETTER : I am including a letter from XXXX, the third-party public records database TransUnion routinely uses to verify bankruptcies. This official letter confirms that there is no bankruptcy reporting under my identity, proving that TransUnions continued reporting of a XXXX XXXX XXXX is both false and negligent. 

Violations of Federal and State Consumer Protection Laws : 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Relying on outdated or non-existent public records, when XXXX confirms no such bankruptcy exists, is a direct violation. 
15 U.S.C. 1681i Mandates that disputed information must be reinvestigated and deleted within 30 days if it can not be verified. TransUnion has failed to act accordingly.

15 U.S.C. 1681c-2 Requires the blocking of information resulting from identity theft upon submission of valid documentation. TransUnion has ignored this legal obligation in the case of the XXXX XXXX XXXX XXXX XXXX collection account. 
15 U.S.C. 1681n & 1681o Provide for civil liability for willful and negligent noncompliance.

California State Law Filing or associating a bankruptcy without debt is not only fraudulent but unlawful. I have XXXX outstanding debt and have never filed bankruptcy. 

TransUnion Mishandling Staff Communication Breakdown : On XX/XX/XXXX, I spoke with TransUnion representative XXXX, who claimed my credit file was locked and could not accept my updated FTC affidavit. I was transferred to XXXX XXXX XXXX in the Special Handling Department, who reiterated the same. 
However, on XX/XX/XXXX, Supervisor XXXX ( Employee ID : XXXX ) confirmed that my credit report was never locked and that no disputes were active. This proves TransUnions internal breakdown, failure to honor my dispute requests, and systemic negligence. 
Requested Actions from the CFPB : Investigate TransUnion for failure to comply with FCRA 1681c-2 and 1681i regarding timely reinvestigation and blocking of fraudulent information. 
Demand the permanent deletion of the XXXX XXXX XXXX XXXX XXXX ( {$8000.00} ) fraudulent collection account. 
Demand the permanent deletion of the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) based on XXXX verification and lack of debt. 
Ensure TransUnion ceases reliance on unverifiable or incorrect data and institutes appropriate procedural reforms to prevent recurrence. 

This unresolved issue is harming my credit standing and peace of mind. I urge the CFPB to intervene and help enforce my consumer rights under federal law. I am available to provide any additional supporting documents upon request. 

Sincerely, XXXX 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