Consumer complaint received 2025-07-22 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:
Name : XXXX XXXX Address : XXXX Live XXXX XXXX # XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Against : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Summary of the Issue : I am submitting this complaint against TransUnion for multiple willful violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines concerning a fraudulent account being inaccurately reported by XXXX ( Account No. XXXX ). 

I submitted a formal dispute with : My FTC Identity Theft Report ( # XXXX ) My state-issued identification My Social Security XXXX XXXX receiving this, TransUnion failed XXXX block the fraudulent account under FCRA 605B , and falsely verified it as accurate which is not only misleading but unlawful. 

The account in question is falsely reporting : XXXX lates in XX/XX/XXXX and XX/XX/XXXX, and A repossession ( RPO ) from XX/XX/XXXX to present, which violates XXXX XXXX XXXX standards. 



Violations Committed by TransUnion : 1. Failure to Block the Identity Theft Account under 605B TransUnion received a proper identity theft report and failed to block the account within the mandated time. 
XXXX. Falsely Verifying Inaccurate Information under 1681i TransUnion verified the account without providing : The method of verification The entity contacted Time and date of investigation 3. Failure to Provide Maximum Possible Accuracy under 1681e ( b ) The account includes false 30-day lates and repossession coding, making the data not only inaccurate but harmful.

4. Lack of Documentation Supporting Investigation Results TransUnion has not provided : Original signed contract Chain of assignment Proof the account belongs to me Any records showing a lawful extension of credit 5. Failure to Address XXXX XXXX I asked whether the account was securitized, sold, or transferred. TransUnion provided no response. 



Critical Notice Regarding XXXX XXXX : This dispute contains material that can not be adequately reduced to standard e-OSCAR codes. This dispute must be reviewed by a live human XXXX for full legal compliance under FCRA 1681i and 1681e ( b ). 



XXXX and XXXX Demanded : XXXX deletion and permanent block of the XXXX account from my TransUnion file. 
Full documentation explaining how TransUnion verified this account. 
Proof of manual investigation, not an automated e-OSCAR result. 
Written confirmation that my identity theft documentation has been honored in accordance with 605B. 



Supporting Evidence : FTC Identity Theft Report State ID and SSN TransUnions false verification response Screenshot and record of XXXX XXXX reporting violations Proof of ongoing RPO status ( inaccurate ) Legal Grounds : FCRA 1681c-2 ( 605B ) Blocking of Information Resulting from Identity Theft FCRA 1681i Failure to Reinvestigate and Provide Verification FCRA 1681e ( b ) Lack of Maximum Accuracy Metro 2 Compliance Improper use of RPO status and delinquency codes Conclusion : I am demanding the immediate and permanent deletion of this fraudulent account. If TransUnion continues to report this entry, I will proceed with legal action under FCRA and file claims for actual, statutory, and punitive damages for willful noncompliance.

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